Lending and Credit Programs

Lending and Credit Programs

Corporate lending and credit programs

Garant-Invest Commercial Bank (JSC) provides credit services to legal entities and private entrepreneurs. The Bank’s credit policy is aimed at the clients’ business development. Stable financial standing and successful business, actual business plans and sound credit support, comprehensive services in the Bank, including balance and turnover on settlement accounts, are the main criteria that influence the decision taken on crediting prospects.

Lending and credit program types:

  • credit line;

  • overdraft loans;

  • bank guarantee.

Lending and credit program terms:

  • loan or credit currency: Russian rubles, US dollars, euro;

  • loan or credit period: minimum 1 month;

  • loan or credit (credit line) amount is determined by the borrower’s requirements and is considered on an individual basis;

  • interest rate depends on the loan or credit currency, amount and period regarding the risk level and the client’s credit history;

  • principal redemption: equal instalments or personal schedule.

Security:

  • pledge of liquid movable property and real estate which discounted value is sufficient to cover the credit amount and interest;

  • pledge of liquid securities (including securities issued by the Bank, companies of Garant-Invest Group), real estate objects;

  • guarantees or warranties of financially stable companies, banks, administrations of the federal subjects of the Russian Federation and municipal structures;

  • assignment of claims for the current borrower’s contracts;

  • deposits in the Bank, certificates of deposit;

  • warranties of the directors or founders of the companies (business owners).

Register of the appraisal companies approved by Garant-Invest Commercial Bank (JSC) during appraisal of real estate and other assets to be pledged:

  • Knight Frank (ZAO);

  • Colliers International;

  • Jones Lang LaSalle (OOO);

  • CB Richard Ellis;

  • Cushman & Wakefield (OOO);
  • Tsentr Nezavisimoy Ekspertizy Sobstvennosti (Centre of Independent Real Estate Appraisal) (OOO);
  • SRG-Appraisal (OOO);

  • Proffesionalny tsentr otsenki i ekspertiz (Professional appraisal and inspection centre) (OOO).