Deposit-secured loan

For the borrowers/property surety providers of individuals or individuals – entrepreneurs:

1. Passport of the citizen of Ukraine of the wife/ husband;
2. Certificate on marriage registration (if available);
3. Certificate on identification code record of the wife/ husband;
4. Certificate on state registration of the performer of entrepreneurial activities - individual;
5. Certificate of the tax payer;
6. Declaration (form 1) for the last two reporting quarters (for the payers of the fixed tax and general taxation system);
7. Report of the performer of entrepreneurial activities – individual – payer of the single tax for the last two reporting quarters (for the payers of the single tax);
8. Agreement on term bank deposit (if available);
9. Receipt on crediting of funds to deposit account (if available).

When considering the application for granting of loan the additional documents can be demanded.

For the borrowers/ property surety providers of legal entities:

1. Constituent and registration documents:
   
   • Certificate on state registration of legal entity;
   • Certificate on record of the legal entity in the Unified State Register of Enterprises and Organizations of Ukraine;
   • Effective abstract from the Unified State Register of Enterprises and Organizations of Ukraine;
   • Documents confirming the registration of the legal entity at the bodies of the State Tax Service;
   • Register (abstract from register) of the shareholders (for the joint stock companies);
   • The charter of the legal entity with amendments and changes;
   • Certificate of the borrower/ guarantor/ property surety provider (signed by the head and sealed) about all the changes and amendments to the constituent documents and changes in the management membership.
2. Documents confirming the powers to obtain the loan and perform all the necessary for it actions:
   
   • Decision of the authorized management body of legal entity on obtaining of loan / or transfer of property as security;
   • Copies of the orders (decisions of the authorized management bodies) on assignment of officials entitled to sign the agreements, commercial and financial documents, copies of their passports and certificates on record of identification code.
3. Financial documents:
   
   • Balance sheet (forms № 1, 1- м), financial statement (forms № 2, 2- м) for the last three quarters;
   • Breakdown of the borrower’s accounts payable.
4. Documents concerning the subject of security on loan and interest payment:
   
   • Agreement on term bank deposit (if available);
   • Receipt on crediting of funds to deposit account (if available).

When considering the application for granting of loan the additional documents can be demanded.

• What advantages can I get on opening the line of credit?
• The opening of line of credit will provide you the opportunity to save time for security performing in future as the security is made for the whole term of line of credit within which the tranches are granted.

• Can I get the deposit-secured loan if the deposit belongs to another person?
• Yes, the person who is the owner of the deposit in such case will be the property surety provider on loan.

• Can the property surety provider early terminate the deposit serving as a security on loan?
• Yes, but in such case the full early repayment of the loan will be performed at the expense of deposit. The balance on deposit will be returned to the to the property surety provider.

• What maximum number of tranches can I get within one line of credit?
• The number of tranches is not limited.

• CJSC "First All-Ukrainian Credit History Bureau";
• LLC "Ukrainian Credit History Bureau".