| Types of loans |
- denar loans
- denar loans with FX clause
- Foreign currency loans in EUR (to export-oriented clients realizing their net FX inflows through their accounts with the Bank)
|
| Purpose |
purchase of fixed assets and/or working capital |
| Loan terms |
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repayment period |
up to 10 years |
| |
grace period |
up to 2 years |
| Interest rate p.a. |
- from 7.0% to 14.0% p.a. annual
- 3% p.a. annual for the loans secured by cash deposited with the Bank
|
| Notice |
the interest rate depends on the creditworthiness of the client, regular servicing of the liabilities towards the Bank and the type and quality of the collateral offered |
| Fees |
from 0.05 % to 1.5% fee, paid one-off, on the disbursed loan amount, depending on the type of the loan, loan repayment period and loan repayment resources |
| Loan security |
the loan shall be secured by usual security instruments in accordance with the Bank’s Credit Policy (mortgage on real estate, pledge of movable property, bills of exchange etc.) |
| The newly established trade companies interested in long-term loans from the Bank’s resources or from the funds from any of the credit lines available through the Bank should submit evidence for provided minimum 50% investments from the total investments in the respective project |