OTPdirekt
You could not find free time to visit Bank branch again and again, but you need to to transfer money badly?
You need to make UAH transfers in Ukraine and foreign currency transfers outside at regular time intervals, and you need to do it sviftly, easily and without spending time to visit Bank branch?
Types of financing:
- Renewable credit line
- Term Loan
Categories of borrowers: legal entities, private entrepreneurs and private individuals.
Purpose of funding:
- For legal entities, private entrepreneurs
- working capital
- financing of the current activities
- refinancing of debt on credits earned at another bank
- For private individuals
- to meet consumer needs
- refinancing the debt on the loan, obtained in another bank
| The loan amount | from 10 000 to 1 000 000 USD
(or its equivalent in another currency) |
| Term of the loan / credit line | of up to 24 months |
| Currency of the loan and deposit match | UAH, USD, EUR, CHF |
| Interest rate of the loan | depends on the rates on deposit, which is located as collateral for the loan
Interest rate of the loan = deposit rate ** + Bank margin |
| The Commission of the loan / credit line | 1% of loan amount |
| Total Deposit Amount | Amount of the loan + % for the period of credit usage |
| Pawn | money on behalf of a private individual, in a term deposit with interest payments after the expiration of the contract or with a monthly payment of interest *** |
| Surety | financial guarantee the owner and / or founder and / or third parties (private individuals, legal entities) at the request of the Bank |
| Criteria of conclusion | a simplified analysis of the financial condition of the Borrower |
| Term of placing time deposit | is longer not less than 15 calendar days then term of the loan |
List of documents for legal entities
- Questionnaire.
- The certificate of registration.
- Financial Statements for the last two years and the last reporting period: Balance Sheet (form № 1) and report on financial results (form number 2).
- Information on the turnover on the accounts in other banks, providing banking information over the past 6 months. (Not necessarily in the event of a failure to provide, together with another package of documents).
- Position paper from the bank on the debt on the loan (subject to availability of credit).
List of documents for private entrepreneurs and private individuals
- Questionnaire.
- A copy of the passport and the Borrower's spouse Borrower (all pages of information) (copy).
- A copy of the certificate on state registration of an entrepreneur.
- A copy of the certificate of identification code businessman.
- A copy of the declaration for the last reporting date, which confirms the Borrower's revenues (sales contracts, service delivery and other documents), as well as account for the most recent reporting quarter, with the GТA on income entrepreneur - natural person, as a business entity.
- Information on the turnover on the accounts in other banks to provide banking information for the last 6 months. (Not necessarily in the event of a failure to provide, together with another package of documents).
- Position paper from the bank on the debt on the loan (subject to availability of credit).
- Deposit-Secured Loan application form
* Customers with annual volume of sales up to 50 million UAH.
** In the calculation of the adopted maximum rates: the current at the time of concluding the loan agreement, or one that has been used previously for the deposit to be transferred as collateral under the loan / credit line.
*** In the case of a transfer of collateral the Bank time deposit, subject to a monthly payment of interest, the amount of fixed-term loan / credit line limit should not exceed 50% of the size of the deposit.