Deposit Insurance Agency

Crediting

Joint-Stock Commercial Bank “TUSARBANK” issues credits to legal persons, who are on the calculation-cash service. Credit resources, as a rule, are issued for a period up to 1 year. Credits are issued in RF rubles, US dollars.

Period of loan for every borrower is determined individually, it depends on uses of credit resources and provided security.

Interest rate for Bank’s cash assets is set under the influence of macroeconomic conditions in the country, the cost of attracted resources and the size of RF Central Bank refinancing rate (rate).

The credit is issued on a security of:

  • Pledging of securities;
  • Guarantee or bill of exchange of Russian Banks, which are in highest reliability group;
  • Real estate security (buildings, structures, living and nondomestic space);
  • Security of production equipment and vehicle;
  • Security of circulating goods and processing raw materials;
  • Security of future crop;
  • Security of animals and birds;
  • Security of rights of property.

Short-term crediting

Credits issued in RF rubles and US dollars from 1 to 12 months.

Credit lines

Credit line in rubles and foreign currency is a transfer of cash assets by installments (tranches) on the settlement account of the borrower as the need in money resources arises.

Settlement account crediting for turnover (overdraft)

Overdraft is a kind of crediting, intended for prompt circulating assets renewal when there is lack of such assets on the company’s settlement account.

Overdraft is given to Clients, who works in the Bank at least 2 months with stable credit turnover, with lack of settlement account requirements and lack of overdue obligations.

Overdraft limit is up to 50 % from average monthly credit turnover on the settlement account.

Crediting term is up to 25 days

The advantage of given crediting form:

  • The possibility of credit resources use without security providing;
  • Low interest rates;
  • Prompt Client’s application consideration and making a decision about overdraft granting;
  • Limits revising, due to turnovers increasing on the Client’s accounts in the Bank;

Crediting with Bank’s bills of exchange

In contrast to crediting in monetary form, credit with using notes of hand of Joint-Stock Commercial Bank “TUSAR” is a credit, issued for purchase of bills of exchange for the purpose of their successive use as pay means.

Credit term is up to 1 year. The choice of credit plan and terms of credit with using bills of exchange is made individually for every concrete deal.

The interest rate of acceptance credit is 5-10% per year in rubles.

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