Home

Amount of the credit for working capital will be paid after approval on the account of the client in one turn, while the paying off will be done in equal monthly annuities. Credit is allowed on term of 24 months. Revolving credit represents framework which enables the client to use money in dependence of his dealings and return it according to the dynamics foreseen by the contract. Term for return of single parts of revolving credit is 120 days. Maximal possible term on which revolving credit is allowed is up to 12 months.

Basic criteria for legal entity to apply for a credit in our bank are:

• They must deal at least 12 months in order to apply for the allowed minus under current account, while for submitting of the request for credit is necessary to deal at least 15 months
• In case the legal entity is not obliged to make a financial report it is necessary that in the period of 12months before applying for a credit realizes certain level of income or total claiming, defined in the contract with the bank
• Must regulate his obligations towards financial institutions regularly
• level of borrowing must be acceptable
• Account of legal entity should not be blocked longer than 5 working days in last 12 months or totally 10 working days in separate blockade in periods of 6 months before applying for a credit.

There are numerous factors which influence on the amount and the term on which the credit can be approved – credit worthiness of the client, type or scope of the credit offered means of security, activity etc. Regarding the sum and term of paying off of the credit, we try to help our clients as much as possible.

During payment and paying off term will always be used middle exchange rate of NBS.