Lending

Credit, Credit Line, Overdraft

1.1 Consideration of an application for new credit, credit line, overdraft/ for amendments of credit transaction 1:
1.1.1 For transactions up to 300 000 EUR 75 EUR
1.1.2. For transactions above 300 000 EUR 400 EUR
1.2. Execution of a new credit, credit line, overdraft (int. al. additional limit granting or setting of new term of repayment):
1.2.1 credit line, overdraft 0.7% of credit line, overdraft limit/ increase of limit (min. EUR 150)
1.2.2 credit 1% of the credit total amount / increase of amount (min. EUR 300)

 

1.3. Execution of amendments1

1.3.1. changes of repayment schedule with term extension:
1.3.1.1. up to 1 year 0.5% of issued and unpaid credit or credit line limit amount (min. EUR 300)
1.3.1.2. more than 1 year 1% of issued and unpaid credit or credit line limit amount (min. EUR 300)
1.3.2. Credit repayment and/ or interest payment conditions amendments without changing of credit maturity term (except change of payment date), change of currency set in credit or credit line or overdraft agreement, change of interest rate type, change of transaction type, int.al. transfer of credit line to credit or vice versa 1% of issued and unpaid credit or credit line limit amount (min. EUR 75)
1.3.3. Changes of loan collateral registered in public registers, int. al. change of pledgor, change of one collateral to another and others:
1.3.3.1. real estate 0.1% of issued and unpaid credit amount or credit line limit (min. EUR 150)
1.3.3.2. other types of loan security EUR 150 per each loan security object for which changes are made

 

 

1.4. Other amendments not mentioned in sup-positions of paragraph 1.3. 75 EUR per each document
1.5. Full or partial premature repayment of credit/ reduction of credit line limit 1:
1.5.1. premature repayment of credit/ reduction of credit line, overdraft limit, int .al. in instances of refinancing 2% of prematurely repayable/ limit reduction amount (min. EUR 750)
1.5.2. execution of mutual agreement or escrow account agreement about escrow account in other bank 1 0.5% of transaction amount (min. 500 EUR), simultaneously the respective commission fee set in paragraph 18.5.1. or set in credit/credit line agreement is applied
1.6. execution of amendments in documents, mentioned in paragraph 1.5.2. 75 EUR per each document
1.7. Плата за резервацию кредитных ресурсов Individually, min. 1% per annum of not issued credit amount/ undrawn credit line limit

Effective from 15.05.2019.

 

Microloan for legal entities without pledge

Consideration of an application for new Microloan Free of charge
New Microcredit Processing, incl. granting an additional limit 2% of amount (maks. 150 EUR)
Full or partial premature repayment of credit/ reduction of credit line limit 2 Free of charge
Fee for credit resources reservation, int. al. undrawn limit of credit line Free of charge
Transaction term extension 1% of amount (maks. 150 EUR)
Fee for Business card According to the current Price List
Interest rate (per year) Individually

Effective from 15.05.2019.

 

Bank Guarantee

 

Issuance of a guarantee:

if secured by cash assets or term deposit As agreed (min. 120 EUR)
other security As agreed (min. 150 EUR)

 

Fee for guarantee utilisation:

if secured by cash assets or term deposit 1% p.a. (min. 40 EUR)
other security As agreed (min. 40 EUR)
Amendment to guarantee, guarantee cancellation before expiry date 80 EUR
Notification on possible issuance of guarantee 50 EUR
Additional commission fee for urgent issuance of guarantee, its amendments, during 1 working day  70 EUR
Preparation of the guarantee’s draft (applicable if guarantee is not issued) 70 EUR
Payment under guarantee/ Handling of payment demand 0.2% from amount claimed(min. EUR 200)
Advice of a guarantee issued by another bank 85 EUR
Advice of an amendment to the guarantee issued by other bank, cancellation of the guarantee 75 EUR
Handling of the claim under the guarantee, issued by other bank, as per request of the customer 250 EUR
Review and confirmation of the authenticity of the guarantee issued by the other bank 40 EUR
SWIFT message 10 EUR
Costs of courier services/ mail Actual costs

Effective from 01.12.2019.

 

Import Letter of Credit

Issuance of a letter of credit As agreed (min. 150 EUR)
Fee for letter of credit utilisation  
if secured by cash assets or term deposit 1% p.a. (min. 40 EUR)
other security As agreed (min. 40 EUR)
Issuance of amendment to the letter of credit cancellation of the letter of credit 80 EUR
Letter’s of credit draft preparation and reconciliation (applicable if import letter of credit is not issued) 70 EUR
Handling and payment of documents 0.2% from amount (min. 150 EUR)
Handling of discrepant documents  85 EUR
Return of unpaid documents 40 EUR
Endorsement of documents 70 EUR
Deferred payment administration 85 EUR
SWIFT message 10 EUR
Costs of courier services/ mail Actual costs

Effective from 01.12.2019.

 

Export Letter of Credit

Advice of received letter of credit 85 EUR
Letter’s of credit draft preparation (applicable if letter of credit is not received) 150 EUR
Advice of amendment to the letter of credit, cancellation of letter of credit 75 EUR
Preliminary checking of documents 75 EUR
Handling and payment of documents 0.2% from amount (min. 150 EUR)
Return of the discrepant documents 40 EUR
Transfer of the letter of credit 0.3% from amount (min. 200 EUR)
Assignment of proceeds under letter of credit, notification of assignment of proceeds 0.1% from assigned amount (min. 150 EUR)
Confirmation of letter of credit As agreed (min. 100 EUR)
Discounting of documents under letter of credit As agreed (min. 150 EUR)
Deferred payment administration fee 85 EUR
SWIFT message 10 EUR
Costs of courier services/ mail Actual costs

Effective from 01.12.2019.

 

Documentary collection

 

Import documentary collection:

Delivery of documents against payment, acceptance or free of payment 0.2% from amount (min. 100 EUR)

 

Export documentary collection:

Payment of document 0.2% from amount (min. 100 EUR)
Amendments to instructions of documentary collection 40 EUR
Sending, return of refused documents 40 EUR
Endorsement of documents 70 EUR
SWIFT message 10 EUR
Costs of courier services/ mail Actual costs

Effective from 01.12.2019.

 


Commission fee can be increased in specific or non-standard instances