Long-Term Loans

Long-term loans are granted for the period of 84 months, for financing long-term requirements of legal entities, small and medium-sized, as well as large enterprises.

Our Bank offers the following long-term loans:

  • Fixed asset procurement
  • Permanent current assets loan
  • Car loans
  • Investment loans for expansion and modernization of production capacities
  • Financing of residential and business premises intended for further sale
  • Purchase, adaptation, construction or reconstruction of real estate

Long-term loans for other purposes

As a part of its offer, the Bank created a wide range of loan products, bearing in mind the experience and needs of legal entities, for example loans for:

  • Overcoming liquidity problems
  • Procurement of equipment and raw materials
  • Financing of production
  • Financing of fixed asset procurement
  • Car loans
  • Investment loans for expansion and modernization of production capacities

Documents required when applying for a loan:

  • Status documentation
  • Loan request
  • Financial statements (for the last three accounting periods)
  • Security instruments – collateral
  • Investment project, in case of investment loans
  • Additional documents, if required by the Bank

Security instruments are as follows:

  • Cash deposits
  • Other bank’s warranty
  • Mortgage
  • Pledge over movable property
  • Bills
  • Several of the aforementioned collaterals

Conditions for loan approval, amount of the loan, interest rates and fees, loan repayment period, collateral elements and other conditions, for all types of short-term and long-term financing, are to be defined by competent Bank authorities, in accordance with the conducted financial analysis and credit rating, accomplished turnover per transaction account, security instruments, credit history and experience with a customer.