27 000 000 sum
till 12 month
|
Customer |
An individual who is the owner of a bank card for salary projects of Ipoteka Bank |
|
Borrower |
A person who has reached the age of 18 and has a regular income |
|
Purpose of the loan |
For personal use |
|
Sum of the loan |
Up to 100 BCV (Base Calculated Value) |
|
Minimum amount |
1 mln. soums |
|
Number of formalization |
Provided up to 3 times within the specified loan amount |
|
Term |
Up to 24 months |
|
Grace period |
No grace period |
|
Annual rate |
23% (for overdue loans 34.5%) |
|
Repayment schedule |
By annuity (repayment in equal installments) |
|
Provision |
Insurance policy |
|
Annual insurance rate |
For 24 months 2% |
|
Insurance payment |
It is calculated at the rate of 130% of the microloan received online (for loan insurance and interest on it). If the Borrower fulfills its obligations under the loan ahead of schedule, the paid insurance premium for the not expired insurance period is subject to return on the basis of the Borrower's application. |
|
Required period of work |
At least 6 months at the last job |
|
Terms and conditions of provision |
The loan is provided online, no later than the next business day from the moment the client confirms the terms of the offer |
|
Scoring system |
The scoring system determines the possibility of repayment of an online microloan by a client. The bank reserves the right not to issue a loan to a client if the scoring system is unsatisfactory |
|
Online microloan is not provided |
· Online microloans are not available to those clients who have a bad credit history. · If the borrower has loans and monthly payments on them exceed 50% of the monthly salary. |
