Fondi BESA sh.a aims at strengthening the role of women in the economic life of the community, as well as improving conditions of their families.

Object of the loan product:

“LOAN FOR WOMEN” is a loan that is specifically designated for women:

• That are willing to realize their consumer dreams and wishes.

Beneficiaries:
Every woman in need of facing urgent expenses

LOAN CHARACTERISTICS:

AMOUNT	The maximum loan amount is  200,000 ALL
CURRENCY	ALL
TERM	Up to 3 years (36 months)
FEE	1-3% according to the loan term
COLLATERAL	Without collateral
REPAYMENT	• Flat – equal installments for the whole repayment period.
INTEREST	29%
NEI	33.18%

The premises of your house not only deal with the placement of a roof and four walls. They are the reflection of your style and personality. Their maintenance in good shape requires periodical renovation, given that aesthetics and comfort are equally important as location and construction quality. If you need funds to renovate your house premises, then you have at your disposal the housing loan by Fondi BESA.

This product will be oriented towards individuals who wish to invest on:

• Improvement/ Renovation of an apartment/ dwelling house
• Expansion of an apartment / dwelling house
• Purchase of land and/or coverage of documentation expenses for investment purposes (for instance, no payment of fees for legalization of business etc).

Beneficiaries:

• Every individual in need of changing the conditions of his dwelling house, making an addition or maintaining it.

LOAN CHARACTERISTICS:

AMOUNT	The maximum loan amount is  1,500,000 ALL
CURRENCY	ALL
TERM	Up to 5 years (60 months)
FEE	1-3% according to the loan term
COLLATERAL	Mortgage, Lien, Pledge, Endorsement depending the loan term and amount.
REPAYMENT	Depending on client preference: • Flat – equal installments for the whole repayment period. • Declining – Interest is calculated on the remaining amount of principal
INTEREST	21.00% to 25.20%
NEI	23.14% to 28.32%

Loans that support realizing your desires!

For all of you who want to renovate your home, buy new furniture, repair your car, or travel, now the decision is easier because Fondi BESA is supporting you with the Consumer Loan.

If you need funding up to 200,000 ALL for consumer needs, you can get the loan quickly and easily.

• Consumer Loans fits to your needs and requirements regarding the term and amounts.
• The loan is transferred directly to your account once the contract is signed.
• We allow you to repay the loan in advance at no extra cost

For further information and loan examples with effective interest please download the Leaflet

LOAN CHARACTERISTICS:

AMOUNT	The maximum loan amount is 200,000 ALL
CURRENCY	ALL
DURATION	Up to 3 years (36 months)
FEE	1-3% according to the loan term.
COLLATERAL	Mortgage; Lien; Endorsement Value of collateral should be 150% of the loan amount.
REPAYMENT	Depending on client preference: • Flat – equal installments for the whole repayment period. • Declining – Interest is calculated on the remaining amount of principal.
INTEREST	24.50% to 27.50% : Interest rate is consistent with: • Loan amount and terms • Collateral to be used as a guarantee for the loan
NEI	27.45% to 31.25%

Example:

• Figures are approximate. For accurate figures, you need to get the right information at your nearest office of Fondi BESA in your city.

• Please download the Standardized Pre-contractual Information Leaflet
• For further information please download Method of calculating the effective interest