Individually determined
Maximum amount of credit
Up to 18 months
Individually determined
National and foreign currency
Currency
Determined according to bank requirements
Interest rate
- Replenishment of working capital through an open or closed credit line.
- For salaries and equivalent payments.
- For closing previously issued credit debts.
Currency:
Credit term:
Interest rate:
Determined in accordance with the minimum requirements set by the Bank for corporate clients.
Credit amount:
Determined on an individual basis in accordance with the Bank's risk management policy.
Grace period:
Depending on the project, up to 9 months.
Credit collateral:
Property or other collateral in the amount of at least 125% of the loan amount.
The following types of collateral are accepted:
Real estate (cadastral documents are required).
Autotransportaions no older than 5 years.
Special equipment no older than 3 years.
Cash or future proceeds from contracts (1.5 times the loan amount).
- Project reports.
- Consent of the founders of the enterprise to grant a mortgage.
- Information on insurance of the mortgaged property (if necessary).
Financial requirements:
- A positive report on the company's financial results (Form No. 2).
- Absence of loans classified as "doubtful" or "bad" in the SQB system and other banks.
- Credit rating not lower than "B-".
Credit collateral:
- Property or other collateral in the amount of at least 125% of the loan amount.
- Types of collateral accepted:
- Real estate (cadastral documents are mandatory).
- Autotranspotations no older than 5 years.
- Special equipment no older than 3 years.
- Cash or future cash receipts (the contract amount must be 1.5 times higher than the loan amount).
