contact us
Work Time Contact Center Bank: Mon-Fri From 8AM To 8PM, Sat-Sun from 8AM to 6PM
Additional phone numbers:
+375 (17) 218 57 77;
+375 (29) 198 57 77 (velcom);
+375 (29) 888 57 77 (МТС);
+375 (25) 999 57 77 (Life :)

Calls from fixed or mobile phone are charged according to the regular rates.
Information service is free of charge.

Consumer credit "Credit card with the discount"

Use it as much as you wish!     

With Consumer credit "Credit card with the discount" you can spend as much as you wish. Open a credit line and do not limit yourself. We offer you the ease and speed of processing of your loan application, the possibility of reissue of the credit card and loan prolongation without the need to provide additional documentation.

                                                                                                                                                           

 

Loan currency Belarusian rubles
Interest rate
13% –180 calendar days after the date of the loan agreement;
17% (RR + 4% p.a.)* - after 181 calendar days from the date of the loan
Interest rate for loyal clients 13% –180 calendar days after the date of the loan agreement;
16% (R.R + 3% p.p.)* - after 181 calendar days from the date of the loan
Maximum amount of a loan within the borrower’s solvency
Loan disbursement The credit line is revolving during the entire card validity period (2 years). The credit line can be renewed by way of reissue of a credit card (to another 2 years). The card can be reissued until the borrower has reached the age of 55 (for women) and 60 (for men)
Loan collateral a) initially, provided that the borrower has a good credit history and the loan amount does not exceed 5000 Belarusian rubles - penalty, in other cases – guarantee(s) of (an) individual(s); b) provided that the loan obligations are duly and properly fulfilled during the card validity period, and that the loan amount does not exceed 7500 Belarusian rubles, it is possible to terminate the contract of guarantee, and the loan collateral will become penalty. Special conditions for getting a loan on a card "Credit card with the discount"
Loan repayment procedure During the credit line validity period: 2% of the debt amount as of the 1st date of the month + interest payments on a monthly basis. Upon the expiration of the validity period the principal debt shall be repaid in equal installments within 35 payment periods +interest payments on a monthly basis
Minimum loan amount 100 Belarusian rubles
Loan application review period 3 business days

 

* - the loan interest rate is variable and is subject to change on the day of the change of the refinancing rate of the National Bank of the Republic of Belarus.

Fee for preparing a contract of guarantee to be concluded with an individual to secure the repayment of a loan -  20 Belarusian rubles.
You can submit a loan application by calling our bank’s Call Centre at 136.

Documents required for a loan:

  1. The applicant’s and the  guarantor’s ID document;
  2. Loan application questionnaire; questionnaire of the guarantor(s);
  3. Consent to submit a credit report from the “Credit Bureau” automated information system of the National Bank of the Republic of Belarus (made in presence of the bank officer);
  4. Documents confirming income of the borrower (guarantor(s)):
  • Income statement:
  • Individuals acting as individual entrepreneurs  paying single tax shall provide income statement for the last 6 full calendar months preceding the month of loan application;
  • Individuals acting as  individual entrepreneurs  paying income tax and (or) applying  a simplified tax system shall provide income statement for the last 2 full reporting periods (quarters);
  • Other categories of the applicants (guarantors) shall provide income statement for the last 3 full calendar months preceding the date of issue of the income certificate;
  • The certificate confirming pension payments received for the last 3 full calendar months preceding the month of the issue of the certificate as per the form approved by the resolution of the Ministry of Labour and Social Protection of the Republic of Belarus dd. 05.10.2010 №140 “On establishing generic forms of statements and permission”;
  • Other documents confirming income as determined by the resolution of the Board of the National Bank of the Republic of Belarus  dd. 18.04.2014 No.253 “On some issues related to granting loans to individuals and financing against assignment of a monetary claim (factoring)” as per the forms established by the legislation of the Republic of Belarus, and containing information on the income received in the last 3 full calendar months preceding the month of the issue of the certificate;
  • Borrowers and guarantors who are the Bank’s clients and receive income and similar payments, entrepreneurial profit, pension payments can proof their income by  providing  a statement of the current account  to which a debit card is issued.

    Main advantages of this loan product:

  • Reissue of the bank payment card upon its expiry and the possibility of loan prolongation without the need to provide additional documentation  until the borrower has reached the age of 55 (for women) and the age of  60 (for men); 
  • possibility to get a bank payment card without guarantors using penalty as collateral, provided the borrower has a good credit history;
  • possibility to terminate the contract of guarantee in case of timely loan repayments and provided there have been no overdue loan payments;
  • possibility of multiple uses of the loan amount within the specified period of time;
  • After the validity period of the credit line has expired, the borrower is given 3 years to repay the loan.


     

 

Лучшие курсы в выбранном населенном пункте

23/05/19 we buy we sell
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100 units
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23/05/19    
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