Main parameters
Amount
30-70% of the loan object value depending on the borrower's financial statements
Currency
UAH, USD, EUR
Loans in foreign currency are granted to customers with revenue obtained in foreign currency and/or income linked to foreign currency
Term
From 12 to 60 months
Interest rate
The type and size of interest rate is determined by the decision of the Bank's Credit Committee
Grace period
From 3 to 12 months (deferred repayment of the loan principal)
Repayment schedule
In equal instalments (monthly/quarterly) after the grace period
Commission
Commission for establishing a loan - up to 1% of the financing amount (once)
Collateral
Real estate, equipment, vehicles, deposit
Goods in circulation and property rights are considered as additional collateral only
Advantages
- Modernization/purchase of equipment without significant diversion of the company's own funds
- Gradual disbursement of funds along the investment project implementation
- Setting up an individual loan repayment schedule
- Possibility to pledge the object of financing as a collateral
Purpose of use
- Acquisition and/or modernisation of fixed assets by a business entity, except for the acquisition of vehicles (other than those used for commercial and industrial purposes)
- Acquisition of non-residential real estate and/or land plots (without the right to transfer such real estate for paid or free use to third parties)
- Construction, reconstruction, repair of industrial premises (except for office premises)
- Acquisition of intellectual property rights under commercial concession (franchising) agreements related to the business entity`s investment project implementation
- Financing of working capital that is part of the investment project (up to 25% of the project cost)
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