Investment loan

Product

Investment loan

Client

Corporate clients

Source of funding

Bank's own and attracted funds

Purpose of the loan

- financing of the enterprise’s investment activities (investments in fixed assets, major repairs);

- purchase or construction of buildings;

- acquisition of land plots for the implementation of core or other types of activities;

- purchase of equipment, vehicles, etc.;

- development, modernization and/or implementation of new technologies to maintain or increase production capacities;

- purchase of a stake in the company's capital;

- other investment objectives, including government programs, green finance projects, energy efficiency, etc.

Currency

In national / foreign currency​​

Client's own participation

At least 30%

Maximum loan amount

The bank finances only the net amount of domestic investments (excluding VAT). If the investment object is imported, the basis for financing is the purchase price according to the contract.

Loans for financing fixed assets:

(1) Equipment or other fixed assets – up to 85 percent of the purchase price of the financed property. At least 15% must be participation/transfer of real money by the client.

(2) Industrial/commercial real estate ( except residential construction) – up to 70% of the planned cost/construction budget.

Interest rate

Determined individually in accordance with the bank’s internal rules.

Loan term

Loans for the acquisition of fixed assets – up to 36 months.

Investment loans ( project financing ) – up to 7 years.

Grace period for the loan

Loans for the purchase of fixed assets – up to 6 months.

Investment loans ( project financing ) – up to 12 months.

Security

According to the bank's internal regulations.

Commission payments

For loans from own funds – not applicable.

The attracted resources are determined individually within the framework of the terms of foreign credit lines.

Loan repayment​​

Interest: monthly;

Principal debt: After the grace period, it is established on the basis of the project and agreed upon with the bank.