Crediting arrangements are structured according to the client's specific needs, demands and credit rating. The length of a credit period depends on the nature of the transaction and the client's redemption capacity. Interest rates are very competitive on the market and depend on: the total loan value and credit period, the arrangement type and finance purpose, the client's credit rating, the quality of credit guarantees, and the character and scope of the client's business with the bank.
Credit redemption is arranged according to the credit period and transaction type, usually by paying interest on a monthly basis and returning the principal sum in equal monthly installments after the grace period or in full, once the loan matures for payment. The Bank accepts the following as instruments of security: guarantee deposit, first mortgage on acceptable real estate, lien over acceptable equipment and other fixed assets, pledge over receivables, guarantees of other legal entities, corporate guarantees and promissory notes from clients.
If required, the bank may demand additional information or documents of which the client will be informed as soon as possible.