OJSC "Megabank" is interested in crediting reliable clients that have a positive credit record, stable sources of credit repayment, liquid kinds of security. That is why certain requirements are made to the potential borrowers, and their failure can be the ground for the refuse to grant credit:

• unprofitable operation of your company, unsatisfactory financial status (class "B" and lower according to the requirements of NBU), existence of bill payable including overdue;
• non-correspondence to business plan (TEA) for the crediting project by organizational and technical possibilities of the company;
• insufficient liquidity (deposit) of the credit security;
• negative credit record of the potential borrower;
• presenting insufficient information to the bank, concealment of the fact that can influence significantly on the solvency of the borrower.

In our bank you can receive a term credit, open (renewable and non-renewable) credit line, use the services of your running account managing in overdraft mode, receive "technical" credit.

You can receive credit in the bank on security of the following:

• Real estate (working facilities and warehouses, dwelling houses, apartments, etc.);
• Movables (liquid) (principal means, trade stock, etc.);
• Vehicles;
• Rights of property for deposits and deposit means placed in our bank;
• Rights of property (bill receivable) by existent contracts.
• Liquid securities;
• Bail of solvent legal and physical persons

It is worth mentioning that a depositor can be not only a borrower but also any legal or physical person. The compulsory condition is expert evaluation and insurance of the deposit property (hypothecation value) defined depending on the financial status of your company.

The interest rate of the credit depends on:

• financial status of the debtor;
• term and currency of crediting;
• kind of credit product;
• liquidity of the offered security;
• order of interest payment.

The bank offers more preferential terms for the regular customers who proved to be reliable and disciplined debtors. The interest rate for each separate credit is defined by the decision of the Bank crediting committee.

The term of the credit depends on the project that requires crediting, on the credit security. The maximal term of the bank crediting is up to 3 years, the minimal – up to 1 month.

During the determination of the credit amount the financial status of the potential borrower and the value of the deposit property are considered (approximately 50% of the assessed value of the deposit).