Credits

Short-term and medium-term loans to legal entities.

Lending to legal entities is an important criterion for replenishing current assets, the need for which is not stable for each enterprise, varies depending on the working conditions: market, natural, climatic, political, etc. Using the loan, the enterprise can improve, increase production much faster than in his absence.

 

Documents required for obtaining a loan:

  • Application (letter of request) for granting a loan (opening a credit line) indicating the amount of the loan, the purpose of its receipt, the period of use and the type of security.

  • The form of the recipient of the loan.

  • If the potential borrower is not a customer of the bank, they are additionally provided with:

    • Charter (photocopy).

    • Memorandum of Association (photocopy).

    • A card with samples of signatures, certified by the bank in which the borrower is serviced.

    • Certificate of  registration (photocopy).

  • Document from the statistical office (photocopy).

  • Documents from all banks where the borrower's accounts are opened on the turnover of accounts for the previous three months.

  • Document of the tax on the lack of debt on payments to the budget.

  • An expanded business plan describing the main areas of the borrower, the characteristics of managers, the characteristics of products that are produced and services that are provided.

  • Balances (with applications) of the borrower on the last reporting date.

  • Documents on the subject of property pledge,

  • Personnel surety ship, guarantees.

 

The order of the loan:

  • In cash (on the basis of a loan agreement).

  • Part (on the basis of an agreement on opening a credit line).

 

The procedure for repaying the loan and paying interest:

  • Repayment of a loan is made at a time no later than the date specified in the Loan Agreement, and also early repayment of the loan or part thereof is possible;

  • Payment of interest is made monthly, not later than the 25th day of each month, starting from the day of issuance of the loan, as well as simultaneously with repayment of the principal debt on the loan or part thereof. The amount of interest required to pay on the forthcoming payment is calculated on the balance of the loan debt.

 

Loan collateral:

  • Real estate

  • Guarantees of commercial banks

  • Surety of legal entities

  • Overdraft crediting

    • Overdraft loans are provided to cover the time gap in the circulation of cash to customers who are on settlement and cash services at the Bank for at least 3 months, which have stable turnover in the Bank's accounts and a stable financial position, provided that there is no overdue debt to the budget. Overdraft loans are granted for up to 30 calendar days. The overdraft credit limit is established:

      • for loans in Russian rubles - in the amount of up to 40% of the average monthly revenue receipt for the client's settlement and current foreign currency accounts with the Bank for the last 3 months;

      • for loans in foreign currency - in the amount of up to 20% of the average monthly receipt of proceeds to the client's currency accounts with the Bank for the last 3 months.

 

Interest rate:

  • Set individually for each borrower

 

Currency of crediting:

  • Loans are provided in Rubles of the Russian Federation, in US dollars, euros.

 

No commission for issuing a loan:

  • none

 

Term of consideration of the application:

  • 3 - 5 working days

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