Terms of corporate lending for the purchase of car "Samand" in  "TK Bank"

1. Loan currency - Belarusian rubles.

2. Interest rate: 18%.

3. Loan term - up to 3 years.

4. The maximum amount of credit - 7500 base units.

5. Intended use of credit - buying a car "Samand".

6. Methods of crediting one-time provision of funds. The credit crunch is carried out by transferring funds to the seller car "Samand";

7. Creditworthiness of borrowers and guarantors:

7.1.yuridicheskoe the person is considered insolvent if:

existence of damages as a result of the cumulative total for the last reporting date and quarterly for the last financial year;

the presence of outstanding receivables amounting to 50% of total accounts receivable (provided that the receivables of at least 10% of the total balance), and provided that the period of its formation more than 90 consecutive days;

the presence of overdue payables in the amount of more than 65% of the total payable (provided that accounts payable is not less than 10% of the total balance);

the absence of a legal entity's net assets as of the last reporting date.

7.2. A legal person conducting a full accounting, also recognizes the insolvent if the current ratio and Working capital do not satisfy the standards specified by local regulations of the Bank, governing the classification of assets and the formation and use of special reserves.

8. Collateral:

8.1. Buy a car "Samand". Be sure his insurance on a full-hull, the beneficiary states of JSC "Bank LC";

8.2. In the case of payment by their own means of at least 30% of the purchase price of the car as collateral shall be made:

8.2.1. Suretyship creditworthy entity, net assets of which at least one third of loan amount and interest loan for the first year;

8.2.2. Collateral (title) of the property of the borrower or a third person. After discounting the value of collateral has to cover 1 / 3 of loan amount and interest on the loan for the first year of use.

Check the mortgaged property done before signing the loan agreement and a loan period at least once a quarter;

8.2.3. A security deposit of funds. The deposit amount is set at one third the amount of the loan and interest on the loan for the first year of use, or the equivalent at the rate of National Bank on the date of the relevant deposit agreement, plus 5%. Interest rate on deposits is determined based on the proposal of Deputy Chairman of the Board, which oversees the service credit, in consultation with the Treasury.

8.3. To enforce the obligations under the loan agreement may be one or more (time) of the above methods.

8.4. Whatever the method of collateral for the loan, be sure to design the guarantee of the founders (natural persons) of the borrower, owning not less than 25% of the shares (stakes) in the share capital of the borrower.

9. Repayment of principal and interest payment:

9.1. Payment of interest on the loan on a monthly basis, no later than the number corresponding to the number of the loan agreement, inclusive, starting next month after receiving the loan.

9.2. Payments of principal loans made monthly contributions to the uniform period of repayment not later than the number corresponding to the number of the loan agreement, inclusive, starting next month after receiving the loan;

9.3. Allowed early repayment without charging the borrower an additional fee.

10. Additional conditions:

10.1. The borrower could only be a legal entity.

10.2. From the moment of state registration of the borrower prior to the filing of documents in order to consider the possibility of credit must be at least 6 months.

10.3. Doing business borrower should be made at least 3 months.

10.4. The opening of the borrower current (settlement) accounts at the Bank is not required.

10.5. Borrower may be granted some credits in the maximum amount of credit.

On micro-credit you can contact the department credit ZAO "TK Bank" on the phone (017) 2025656, e-mail to This e-mail address is being protected from spambots. You need JavaScript enabled to view it , This e-mail address is being protected from spambots. You need JavaScript enabled to view it or at Minsk, Timerjazev str, 65A. In the case of a personal appeal to the Bank, we ask you to optimize the Bank's experts with your company, agree in advance on a visit to the Bank on the above mentioned phone.