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2.11. Crediting




2.11.
Crediting
2.11.1. Commission for notices on credit indebtedness by phone (SMS-Banking)
0$
2.11.3. Mortgage crediting (all kinds of mortgage credit products)
2.11.4. Tariffs for mortgage credit servicing
2.11.4.1.* Commission for  introducing amendments in the terms of a credit contract on the initiative of the borrower (change of the maturity (repayment) of the credit, interest payment included; change of interest rates, change of security)
3 000 Russian rubles
2.11.4.2. Commission for considering the possibility of replanning of the mortgaged real estate object (VAT in the amount established by the law is charged additionally)
6 000 Russian rubles
2.11.4.3. Commission for considering the possibility of extending the period for replanning registration (VAT in the amount established by the law is charged additionally)
3 000 Russian rubles
2.11.4.4. Commission for considering an application for giving a mortgaged object in commercial lease (VAT in the amount established by the law is charged additionally)
6 000 Russian rubles
2.11.4.5. Commission for considering an application for agreement to permanent / temporary registration of third parties with respect to the mortgaged object (VAT in the amount established by the law is charged additionally)
1 500 Russian rubles
2.11.4.6. Issue of a statement on the amount of the interest paid on mortgage credits  (VAT in the amount established by the law is charged additionally)
125 Russian rubles
2.11.4.7.* Commission for considering the possibility of replacing the mortgaged object (VAT in the amount established by the law is charged additionally)
1% from the amount of the principal,
but not less than 9 000 Russian rubles
2.11.4.8.* Commission for organisation of a transaction to sell the mortgaged object with subsequent cancellation of the mortgage entry (VAT in the amount established by the law is charged additionally)
1% from the amount of the principal,
but not less than 9 000 Russian rubles
2.11.4.9.* Commission for considering an application for change of the composition of the Borrowers /Coborrowers/Sureties (VAT in the amount established by the law is charged additionally)
0.5% from the amount of the principal,
but not less than 9 000 Russian rubles
2.11.5. Conversion of borrowed money disbursed in foreign currency within the framework of a credit for the purchase of a car into Russian rubles
Exchange rate of the Bank of Russia as of the day of conversion
2.11.6. Conversion of borrowed money disbursed in US dollars and Euro within the framework of a mortgage/premortgage credit product into Russian rubles
Exchange rate of the Bank established by the Treasury as of the day of conversion minus 0.3%.
2.11.7. Conversion of borrowed money disbursed by the Bank in a foreign currency other than US dollars, Euro, Swiss francs and Japanese Yens within the framework of a mortgage/premortgage credit product into Russian rubles
Exchange rate of the Bank established by the Treasury as of the day of conversion, minus 0.3%.
2.11.8. Conversion of borrowed money disbursed by the Bank in Swiss francs and Japanese Yens within the framework of a mortgage/premortgage credit product into Russian rubles
Exchange rate of the Bank established by the Treasury as of the day of conversion, minus 0.2%.
2.11.9. Conversion of borrowed money disbursed by the Bank in Swiss francs and Japanese Yens within the framework of a mortgage/premortgage credit product, in US dollars, Euro
Exchange rate of the Bank established by the Treasury as of the day of conversion, plus 0.2%.
2.11.10. Conversion of assets received from an individual borrower of the Bank:
  • in payment for the Bank commission for granting a mortgage/premortgage credit;
  • in payment for indebtedness (principal, interest, overdue included, penalties) under a mortgage/premortgage credit, into Swiss francs
Exchange rate of the Bank of Russia as of the day of conversion plus 0.5%.
2.11.11. Conversion of assets (part of the assets) of the maternity (family) capital in rubles received from a territorial authority of the Pension fund of the Russian Federation to be applied in repayment of the principal and interest on a mortgage credit into the credit currency:
  • US dollars;
  • Euro;
  • Swiss francs;
  • Japanese Yens.
Exchange rate of the Bank of Russia as of the date of receipt of money from the territorial body of the Pension fund of the Russian Federation to the Bank account
2.11.12. Commission for issuing a statement on the presence/absence of overdue indebtedness under retail credit products except for credits on real estate (VAT included)
150 rubles
2.11.13. Commission for issuing a statement on termination of the credit contract (full credit repayment) under retail credit products except for credits on real estate (VAT included)
150 rubles
2.11.14. Commission for provision of duplicate credit security documentation under retail credit products except for credits on real estate (VAT included)
600 rubles
2.11.15. Crediting under a scheme of granting a consumer credit with an associated mortgage credit
2.11.15.1. Commission for granting a consumer credit
1% from the credit amount,
min 15 000 Russian rubles,
max 60 000 Russian rubles
 (equivalent in the credit currency at the exchange rate of the Central Bank of the Russian Federation as of the day of payment)
2.11.15.2. Commission for granting a mortgage credit
Free of charge
2.11.16. Selection of the date of monthly payment at submitting an Application form for all retail credit products, except for mortgage programs of the Bank
Free of charge
2.11.17. Change of the date of monthly payment for all retail credit products, except for mortgage programs of the Bank2
300 Russian rubles

1 Salary client — Borrower/Coborrower being an employee of the Bank or an enterprise participating in the salary project of the Bank.

2 The service of change of the annuity payment date is rendered to the Borrower/Coborrower once for the whole term of the credit.

* No Tariffs are charged in case the borrower applies for restructuring of indebtedness because of worsened financial position, in case the borrower meets the conditions forming the basis for the restructuring services offered by the Bank (the services are defined by the Order of mortgage credit servicing (Process 8) approved by Order No. 21 dated 14 January 2009)

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