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“Efficient Business” loan
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"Exclusively by Zepter" loan
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Loan type
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-Non-revolving credit line
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- Non-revolving credit line ;
- Loan
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Purpose
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-to be used in the business’s current operation;
-to recharge current assets
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-to purchase equipment, vehicles
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Loan granting procedure
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Transferred to the borrower’s current (settlement) account
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Loan amounts are transferred to the borrower’s current account, a third person’s (supplier’s) account
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Eligible applicants
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Businesses/ organizations
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Businesses/ organizations /IE
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Eligibility requirements
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Sales revenue to exceed monthly loan payments, at least, 1.5 fold.
Opening a settlement current account with CJSC “Zepter Bank”
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Sales revenue to exceed monthly loan payments, at least, 1.5 fold.
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Loan period
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From 6 to 24 months
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From 6 to 36 months
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Currency
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BYR, USD, EURO
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BYR, USD, EURO
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Minimum loan amount
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USD 6,000 in equivalent
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USD 10,000 in equivalent
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Maximum loan amount
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USD 250,000
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USD 250,000
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Interest rate
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BYR
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USD
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EURO
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BYR
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USD
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EURO
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RB NB refinance rate + 5 per cents х points
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12% per annum
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12% per annum
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RB NB refinance rate + 5 per cents х points
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12% per annum
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12% per annum
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Loan granting period
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Up to 3 months as of the date of signing a loan agreement
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Up to 1 month as of the date of signing a loan agreement
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Loan settlement
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Monthly payments/ in equal amounts
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Monthly / quarterly payments in equal amounts
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Interest payments
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Monthly
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Monthly
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Grace period for the principal loan amount
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Up to 3 months
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Up to 1 month
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Documentation to confirm the loan purpose
(for loans in free currency)
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Documents substantiating the project’s currency cost recovery
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Documents substantiating the project’s currency cost recovery
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Loan security (pledge)
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Pledge of property;
a guarantee by a director and/or a founder (founders)
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Mortgage, security cash deposit, pledge, guarantee
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Pledge amount
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Not less than 150% of the loan amount
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Not less than 150% of the loan amount
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Security deposit amount
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-
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Not less than the loan amount + % for 12 months
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Pledge requirements
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Any property pledged is to be insured
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Any property pledged is to be insured
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Additional pledge requirements
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-
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Personal guarantee by a director and/or a founder (founders)
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Commission fees and charges
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BYR
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USD
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EURO
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BYR
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USD
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EURO
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for loan agreement support – monthly, starting from the second month as counted from the date of loan granting
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for loan agreement support – monthly, starting from the second month as counted from the date of loan granting
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0.8% of the debt limit
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0.21% of the debt limit
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0.21% of the debt limit
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1.15% of the average daily debt balance for a month
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0.3% of the average daily debt balance for a month
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0.3% of the average daily debt balance for a month
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for assuming liabilities in connection with loan granting- monthly
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for assuming liabilities in connection with loan granting- monthly
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1.75% of the liabilities amount for a month
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0.42% of the liabilities amount for a month
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0.42% of the liabilities amount for a month
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1.75% of the liabilities amount for a month
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0.42% of the liabilities amount for a month
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0.42% of the liabilities amount for a month
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● 2 BV (basic value) – for considering a loan application
● 5 BV – for changing loan/ security terms (on the borrower’s request)
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● 2 BV (basic value) – for considering a loan application
● 5 БВ - for changing loan/ security terms (on the borrower’s request)
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