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*If the income of a family member is also included in the financial analysis, then the latter must be a guarantor.
Annual nominal interest rate:
In individual cases, as a result of creditworthiness assessment, the loan interest rate can be set up to 2.5% percentage point higher than the maximum interest rate corresponding to the given period, but not more than 20%.
If necessary, a different schedule of interest and principal repayment can be set.
Receive your salary through the Bank and take advantage of preferential terms starting from 11.4% per annum.
You can get acquainted with the types of loans with the salary program here.
Learn more:
About the amount of possible additional payments: Loan tariffs.
Previous terms of loan tariffs
*If the income of a family member is also included in the financial analysis, then the latter must be a guarantor.
Required documents:
The following documents may also be required:
Get a loan without visiting the Bank by signing the loan package electronically
To sign contracts electronically:
Step 1 |
An offer to sign the documents is sent to the customer’s email address.
The offer is active for 10 working days |
Step 2 |
After getting acquainted with the documents, the customer proceeds to "Sign Now" button and enters the one-time password sent to their phone number. |
Step 3 |
After entering the password correctly, the customer clicks the "Sign Documents" button. |
Step 4 |
The documents approved by the Bank are sent to the customer's email and the loan amount is transferred to the customer's account.
The one-time loan disbursement fee is automatically deducted from the loan amount. |
Important
Credit calculation example
* The repayment amount may vary depending on the number of days in a given month
ATTENTION: LOAN INTEREST IS CALCULATED ON THE BASIS OF NOMINAL INTEREST RATE, AND THE ANNUAL INTEREST RATE SHOWS HOW MUCH THE LOAN WILL COST YOU IN CASE OF DULY PAYMENT OF INTEREST AMOUNTS AND ALL MANDATORY FEES ON LOAN PROVISION AND SERVICE. THE ACTUAL INTEREST RATE CALCULATOR CAN BE FOUND HERE.
Learn more:
Loan repayments are carried out in the following order (in case of overdue liabilities):
Important to know window
Loan account statement subject to mandatory provision under RA legislation and other information is provided free of charge. The statement subject to non-mandatory provision by the RA legislation, the copy of the statement is provided
YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION BY YOUR PREFERRED WAY OF COMMUNICATION, BY MAIL OR ELECTRONIC MEANS. RECEIVING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, IS FREE OF RISK OF LOSS OF PAPER INFORMATION AND ENSURES PRIVACY.
The Bank may unilaterally change the interest rate stipulated in the agreement by notifying the Borrower at least 7 calendar days in advance in case of non-use of the loan, as well as in case of non-fulfillment of the obligations under the loan agreement.
ATTENTION: WHEN APPLYING FOR A LOAN, THE CREDITOR WILL PROVIDE YOU, GUARANTOR(S) (if available) WITH AN INDIVIDUAL SHEET OF SIGNIFICANT TERMS OF CONSUMER LOANS, IN WHICH THE INDIVIDUAL LOAN CONDITIONS TO BE PROVIDED TO YOU WILL BE SPECIFIED.
Information provided to the credit registry
ATTENTION: IN CASE OF NO-PERFORMANCE OR IMPROPER PERFORMANCE OF OBLIGATIONS BY YOU, AFTER 3 WORKING DAYS THE CREDITOR SUBMITS THESE DATA TO THE CREDIT BUREAU, WHERE YOUR CREDIT HISTORY IS CREATED. YOU HAVE THE RIGHT TO RECEIVE YOUR CREDIT HISTORY FROM THE CREDIT BUREAU ONCE A YEAR FREE OF CHARGE.
ATTENTION: BAD CREDIT HISTORY MAY PREVENT YOU FROM RECEIVING A LOAN IN THE FUTURE.
FOR GUARANTEES.
Please be informed that:
THE GUARANTEER HAS A RIGHT
Financial Assistant
ATTENTION: "YOUR FINANCIAL INFORMATION" IS AN ELECTRONIC SYSTEM, WHICH MAKES THE SEARCH, COMPARISON AND SELECTION OF THE SERVCES, PROVIDED TO INDIVIDUALS, EASIER.