Branko Jovanovski, Skopje

Feeling young and ready for new challenges, despite my 77 years, I decided to apply for a loan so that i could give my beloved a diamond ring. I visited most of the banks in the city. To my deep surprise and disappointment in all of them (no exception) I came across the same (for me incomprehensible and absolutely unfounded excuse) answer: “To pensioners, we do not approve any type of loan if they are older than 67”!? All the explanations that I am ready to bring any guarantee worth 50 times more than the requested loan were in vain.

But sometimes miracles happen in life! To my great satisfaction, while I was walking one day, I accidently came across FULM Savings House in Centar, where, thanks to the extremely kind employee – Jasminka Panajotovikj, I received encouraging information that at my age, I can get a loan, and the security is regulated by a deposit or pledge of gold. 

I have no words to describe the joy that returned to my soul! After performing the necessary formalities, the requested loan was approved on the same day and the funds were made available to me.

My dream to give a diamond ring to my beloved has been finally fulfilled.

I thank FULM Savings House and its management, for their extremely professional attitude and sincere kindness, present among all employees without exception. I wish FULM great success deeply convinced and hoping that it will make many more people feel happy, just like me!

Note: The text is a personal statement and is not subject to proofreading