Loans
- „Expres +”
- „Succes”
- „Succes+”
- „Progres”
- "Mortgage credit"
- Credits for residential real estate construction, renovation and purchase of lots of land for construction
- „smartCredit”
- Ordinary Access Credit Card
- Preferential Access Credit Card
- Overdrafts on debit cards
- Loan for current and investment needs with bank deposit insurance
Overdrafts on debit cards
Overdraft credits on salary cards are consume credits, given to clients for primordial consume needs and to cover lack of available cash for short periods of time. Overdrafts represent the amount overrunning the balance of debit card amount.
Revolving overdraft credit line on card accounts is aimed at salary card owners, issued by the Bank, on the basis of a contract with the owner. The overdraft limit is established by the Bank, considering three net monthly salaries of account owner.
The beneficiary of revolving overdraft credit line can perform more operations a month, on the condition the total amount shall not overrun the maximum limit.
Term of validity of overdraft credit contract is 24 months from the date of signature. After 21 months from the moment of signature, the beneficiary is deprived of the right to use credit line resources. The credit will be reimbursed integrally, during 22nd, 23rd and 24th months from the moment of signature of the contract on revolving overdraft credit line.
Interest rate /floating – 20% annually and can be modified without additional agreements. The Bank informs the Borrower about modification in interest rate in 10 days after modification was performed.
Other payments non-included in the interest rare:
- Penalty - 0,1% of un-receipted amount, for each day of delay, in case of non payment on term monthly charge for credit.
Insurance: enterprise guaranty of payment for its employees – overdraft beneficiaries.
Documents to be perfected:
- Contract between the Bank and enterprise on offering overdraft credits through salary cards to employees.
- Contract on Overdraft credit line with account owner, regarding the credit limit.
Documents necessary to be presented:
- Request of account owner on demanding overdraft credits;
- Nominal list of employees, willing to have overdraft credits on debit card account, which includes information about employee – name, surname, identity data, net monthly salary, signature sample. The list of employees shall be authenticated by signatures of executive and head accountant of enterprise and shall be stamped.
- Protocol of Shareholders Assembly (founders), or Board, or Leadership, by case, of the enterprise, on offering by the Bank of the overdraft credit line to enterprise employees and on issuing of guarantee letter by the enterprise for its employees, in favor of Bank.
- Guarantee of the enterprise for its employees.