Universal salary credit

Size of credit limit, that is established, - up to 600% from average monthly salary (for the last three months, excluding bonuses), or from the last enrolment of salary (in case a new employee of organization/enterprise or card account was opened not long ago) - not more than 50 000,00 hrn, that will actually allow to increase 6 times the size of available means on your card account. Establishing of credit limit is possible in the following cases:

• - is provided to client only if there is a currently in force salary account in the bank;
• - separate card account is opened for provided credit.

•Main conditions of providing a service

Duration of credit limit  is two years. In case none of the sides (bank or client) announces about breaking it 30 calendar days before the end of duration of agreement, this agreement is considered to be prolonged for two calendar years. 

Credit is provided without guarantee. Percentage stake for using a credit is 0,167% a day from the size of actually used credit and only for actual  number of days of using.

Obligatory monthly payment on using a credit is 5% from the size of used credit.

Other commissions of the bank:

• commission for issuing cash means in the net of cash machines of the Bank, on department/branch/ administration and cashless settlings through POS-terminals (in trade points) - 2%;
• commission for cash or cashless replenishment of card account with money - 1,5% of the sum of replenishment.

•General conditions of providing a service

1. Age of holder of salary card should range 21-55 years old. If age of salary card holder is more than 55 years, credit limit can be established in size up to 600% only on obligatory signing of agreement of guarantee, at this the bail should correspond to the demands:

• age from 21 to 54 years old (inclusive);
• permanent place of work (unemployed can not be bails);
• home and office telephone numbers of the bail should be indicated in agreement of guarantee.

If age of holder of salary card is within range 54-55 years, credit limit can be established for the term:

• till the date the salary card holder is 55 years old. After this to prolong duration of established credit limit it is necessary to sign agreement of guarantee with third person;
• for two years with automatic prolongation on condition of signing an agreement of guarantee with third person;

2. Entries of salary on card account of client should be accomplished during not less than one month (last calendar month).

3. Stable entries of salary (not less than 3 last months), confirmed  by certificate about income.

•Repayment of percentage and minimal payment

Client should monthly input on his card account sum in size of obligatory minimal payment, added percentage and penalty fee (if any) - to accomplish replenishment of his card account.

On regular using of service "Universal salary credit" you should also remember that you are obliged  to the 15^th day of the month that follows the month of using the provided credit:

• pay off percentage for using money means of the bank;
• to enter monthly obligatory payment (5% from the size of used credit).

Repayment of minimal payment and all indebtedness on established credit can be accomplished by client in cash or cashless form in the following way:

• through the cash desk in all branches and departments of the Bank, and also in other banks;
• after activation of service - transferring of money from one card to another in all cash machines of the Bank.

•Repayment of used sum of credit

Obligation to pay off the main sum of credit appears only after two years since the date of signing the agreement, i.e. bank does not demand monthly repayment of all sum of credit, only percentage and minimal monthly payment. Repayment of the main sum of credit can be accomplished by client in cash and cashless form in the following ways:

• through the cash desk in all branches and departments of the Bank, and also in other banks;
• after activation of service - transferring of money from one card to another in all cash machines of the Bank.

•Advantages of this service

• considerably bigger filling of credit - 600% from transfer of salary for the last month;
• considerable maximal filling of credit - 50000,00 hrn;
• simplification of control of using a credit and repayment of added percentage and credit at the expense of opening of separate card account and issue of separate credit card;
• to receive cash in cash machines and departments of the bank, and also to pay for goods and services not only with own money, but and with money of the bank, which is provided on credit without introducing guarantee to the bank, on guarantee of future entry of salary;
• to get possibility to pay off unforeseen expenses independently, without waiting for the following entry of salary;
• bank in no way limits holder of salary card, on whose card account credit limit is established, in purposes, on which he may spend received means, what is unobtainable on getting a consumer credit, which is provided only on some particular purposes.