Information regarding credits for individuals

To receive a credit the individual must submit to the bank the fallowing documents:

• The application of the potential Debtor: the sum, the credit period, purpose, guarantees, the obligation to return the credit
• The identification card of the potential Debtor and a copy
• The information about the salary of the potential Debtor
• The declaration on incomes (if exists)
• Property documents on real estate, vehicles, etc of the potential Debtor (if exists)
• Confirmation that the potential Debtor has made the municipal payments (if exists)
• The information confirming the potential Debtor's possibility to pay back the credit and interests

Guarantees for credits

I. Documents concerning a pledge:

a) Real estate:

• Identification cards of the owners - individuals;
• Extract from the Register of Real Estate and all documents that confirm the property rights on the estate
• The inventory book;
• The consent of the body of trusteeship and guardianship for mortgaging the estate if minor children participated in privatization;
• The document confirming the property rights to the ground or the right to transfer to a pledge the rights of possession to the ground;
• The estimation of the market cost  carried out by an independent expert;
• The certificate received in tax bodies confirming paying the real estate tax (the Depositor - individual), or the absence / existence of debts to the state (the Depositor - legal entity);

b) Vehicles:

• Extract from the Department of Information Technologies confirming the absence of interdictions;
• Copy of the registration certificate of a vehicle;
• Insurance policy of the vehicle for the benefit of the Bank (usually);

c) Goods, raw material, equipment:

• The list containing: the amount, number, volume, year of release, market cost, balance cost, etc.
• The documents confirming the property right (invoices etc.)
• Documents confirming the guarantee period, the validity of the goods
• For the imported goods: the invoices, customs declarations
• Certificates of quality, conformity
• Estimation of market cost of the incorporated property, carried out by an independent expert (usually).

II. If the potential Depositor is a third party (legal entity), the following documents should be submitted:

• Copy of the identification card of the director, the chief accountant and the founders;
• The new certificate of the enterprise;
• Extract from the State Register of  Enterprises and Organizations containing the information: about the director, founders, shares in the authorized capital and types of activity (for societies with limited liability, individual businessmen) for the current date;
• Extract from the Register of Shareholders (joint-stock company);
•  The report of the assembly of shareholders containing the statement of conditions: the contract of a pledge, market cost, the mortgaging cost, the provided obligation, the credit contract: the size of the credit, date of repayment;
•  The information on existence / absence of duties in relation to the Budget and the Social Fund;
• Balance sheet for the last quarter.

III. The guarantor: a copy of the documents confirming the property right to real estate, automobiles, etc.

Note:
1. The bank has the right to ask the potential Debtor for any document concerning granting of the credit;
2. The bank  will make for each potential Debtor an individual list of documents depending on the purpose of the credit, on the legal form of the potential Debtor, and on the credit guarantees, which should be submitted together with the application for credit.