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Service |
Tariff |
| 1.15.1. |
Charge for early repayment on the Borrower’s initiative |
to be established individually for each client |
| 1.15.2. |
Commission fee for the Bank’s obligation to grant the loan resources (commission fee for the obligation is not charged for the first 15 calendar days as from the date of signing the Loan Agreement/the first day of use of each tranche under the Agreement; as regards the loan agreements against the property pledge – for the first 30 calendar days as from the date of signing the Loan Agreement): |
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- for the one-time loan:
the amount of the commission fee is calculated based on the unused amount of the loan for the period from the date of signing the Loan Agreement until the date of the complete use of funds within the frames of the loan or until the last date of the possible use of funds provided for by the Loan Agreement; |
If the loan is issued in RF roubles the rate shall be established based on the maximum possible amount of the non-recurrent debt provided for by the loan agreement:
- 10 million roubles maximum – 0.7% per annum,
- over 10 million roubles – 0.5% per annum If the loan is issued in foreign currency- 0.5% per annum |
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- for the loan facility with a drawdown limit:
the amount of the commission fee is calculated starting from the date of signing the loan agreement based on the amount of equal difference between the established limit of the non-recurrent debt and the factual amount of debt per each day within the term of loan issue; |
If the loan is issued in RF roubles the rate shall be established based on the maximum possible amount of the non-recurrent debt provided for by the loan agreement:
- 10 million roubles maximum – 0.7% per annum,
- over 10 million roubles – 0.5% per annum If the loan is issued in foreign currency- 0.5% per annum |
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- for the loan facility with a drawdown limit and a debt issue»
with the established tranches of the loan issue:
the amount of the commission fee is calculated based on the amount of equal difference between the established limit of the non-recurrent debt and the factual amount of debt per each date within the frames of the tranche established by the Loan Agreement starting from the first date of the tranche use until the date of the factual use of the tranche amount or until the last date of the possible use of the tranche established by the Loan Agreement in case the tranche is not used in full
without the established tranches of the loan issue:
the amount of the commission fee is calculated starting from the date of signing the Loan Agreement based on the amount of equal difference between the established limit of non-recurrent debt and the factual amount of debt per each day within the term of the loan issue; |
If the loan is issued in RF roubles the rate shall be established based on the maximum possible amount of the non-recurrent debt provided for by the loan agreement:
- 10 million roubles maximum – 0.7% per annum,
- over 10 million roubles – 0.5% per annum If the loan is issued in foreign currency- 0.5% per annum |
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- for the loan facility with a drawdown limit»
with the established tranches of the loan issue:
the amount of the commission fee is calculated within the frames of the tranche based on the unused amount for the period between the first day of the tranche use according to the terms and conditions of the Loan Agreement and the date of the factual use of the tranche or until the last date of the possible use of the tranche established by the Loan Agreement in case the tranche is not used in full;
without the established tranches of the loan issue:
the amount of the commission fee is calculated based on the unused loan amount starting from the date of signing the Loan Agreement until the date of the complete use of the loan funds or the last date of the possible use of funds as provided for by the Loan Agreement. |
If the loan is issued in RF roubles the rate shall be established based on the maximum possible amount of the non-recurrent debt provided for by the loan agreement:
- 10 million roubles maximum – 0.7% per annum,
- over 10 million roubles – 0.5% per annum If the loan is issued in foreign currency- 0.5% per annum |
| 1.15.3. |
Commission fee for the loan issue in the form of an overdraft in the time of the agreement signing: |
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1. 1 million roubles maximum |
1% per annum of the established limit* |
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2. from 1 to 10 million roubles |
0.7% per annum of the established limit* |
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3. Over 10 million roubles |
0.% per annum of the established limit * |
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The commission fee is paid on a non-recurrent basis until the date of the first receipt of funds on account of the loan in the form of an overdraft by the Borrower.
In the event of signing a supplementary agreement to the agreement on the issue of a loan in the form of an overdraft providing for an increase of the limit of the overdraft granted to the borrower, the commission fee shall be deducted on a non-recurrent basis from the amount of a difference between the newly established and the previous overdraft limit. The amount of the rate used to calculate the commission fee is defined in accordance with the above-indicated values based on the amount of the newly established limit. |
*The commission fee is calculated for the period starting from the day following the day of signing the Agreement/Supplementary Agreement to the agreement providing for the increase of the limit/maximum limit of the overdraft granted to the borrower until the final date of return of the loan in the form of an overdraft inclusively |
| 1.15.4. |
Commission fees and penalties for operations in case of issuing the loan products to small enterprises and servicing of the same |
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| 1.15.4.1. |
Commission fee for granting a Loan for Development of Small Business |
1% of the loan amount, but not exceeding 30 000 roubles |
| 1.15.4.2. |
Commission fee for the issue of a Micro-loan |
1% of the loan amount, min 5 000 roubles, max 30 000 roubles |
| 1.15.4.3. |
Commission fee for granting a Loan for Development of Individual Entrepreneurship |
1% of the loan amount, min 5 000 roubles, max 30 000 roubles |
| 1.15.4.4 |
Commission fee for the early repayment upon the Borrower’s initiative |
According to clause 1.15.1 |
| 1.15.4.5. |
Penalty for a delay return of the loan/portion of the loan |
0.1% of the delayed principal debt amount per each day of delay |
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Penalty for a delayed payment of interest for the loan use |
0.1% of the delayed amount of debt per each day of delay |
| 1.15.4.6. |
Commission fee* for the issue of an Express-overdraft for a small enterprise |
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With the maximum limit of 1 million roubles (included) |
1% of the amount of the maximum limit, but no less than 4 000 roubles |
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With the maximum limit exceeding 1 million roubles |
0.7% of the amount of the maximum limit, but no less than 10 000 roubles |
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*The commission fee is paid on a non-recurrent basis until the Borrower receives funds on account of the loan in the form of an overdraft for the first.
In the event of signing a supplementary agreement to the agreement on the issue of a loan in the form of an overdraft providing for an increase of the limit of the overdraft granted to the borrower, the commission fee shall be deducted on a non-recurrent basis from the amount of a difference between the newly established and the previous overdraft limit. The amount of the rate used to calculate the commission fee is defined in accordance with the above-indicated values based on the amount of the newly established limit. |
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| 1.15.4.7. |
Commission fees and penalties relating to the Express Loan for Individual Entrepreneurs: |
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| 1.15.4.7.1. |
Commission fee for the loan issue
The commission fee is calculated according to the rate of the Bank of Russia at the date of payment and is paid in the loan currency |
2 500 roubles (or an equivalent in USD/Euro) |
| 1.15.4.7.2. |
Commission fee for the early repayment upon the initiative of the Borrower |
2% of each amount contributed on account of the early loan repayment |
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It is possible to repay the loan ahead of schedule not before expiration of 3 months as from the date of the loan issue. The commission fee is not charged after expiration of 12 months as from the date of the loan issue. |
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The minimum amount of the partial early repayment (exclusively of the next loan payment) reaches 30 000 roubles (or an equivalent in USD/Euro calculated according to the rate of the Bank of Russia at the date of the early repayment). |
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If the balance of the loan debt is less than 30 000 roubles (or an equivalent in USD/Euro calculated according to the rate of the Bank of Russia at the date of the early repayment), the early repayment shall be made in full. |
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| 1.15.4.7.3. |
Penalty for a delayed fulfilment of the obligations |
0.5% of the overdue debt amount per day, but no less than 50 roubles a day (or an equivalent in USD/Euro calculated according to the rate of the Bank of Russia at the date of payment) |
| 1.15.4.8. |
Commission fee for the issue of a Loan for Development of Entrepreneurship |
1% of the loan amount, but not exceeding 30 000 roubles |
| 1.15.4.9. |
Commission fee for the early repayment of the Loan for Development of Entrepreneurship/Micro-loan upon the initiative of the Borrower It is possible to repay the loan ahead of schedule not before expiration of 3 months as from the date of the loan issue. The commission fee is not charged after expiration of 12 months as from the date of the loan issue. The minimum amount of the partial early repayment (exclusively of the next loan payment) reaches 30 000 roubles.
If the balance of the loan debt is less than 30 000 roubles, the early repayment shall be made in full. |
2% of each amount contributed on account of the early loan repayment |
| 1.15.5. |
Commission fee for sending of notices on the loan debt using telephone communications (SMS-banking) |
Free |
