UNI-MICRO

Target group

Private entrepreneurs and  legal persons (minimum period of business activity – 3 months)

Sphere of activity

Production, trade, service

Credit sum

From 3.500.000 to 6.000.000 AMD or equivalent  in USD or EUR

Interest rate and credit currency

AMD  

USD

EUR 

18-21%

 17-20%

16-19%

Interest repayment and charge order

The interests are charged in the reminder of the credit. Repayment is realized monthly.

Credit repayment period

For replenishment circulating means -  from 1 to 30 months;

For acquisition fixed assets and/or other investments - from 1 to 48 months.

Credit repayment order

•  Equal instalments (annuity)

•  Adapted schedule

Pre-term repayment

Without restrictions

Guarantying/Collateral

•  Real estate
•  Land plots
•  Motor transport
•  Equipment
•  Produce in turnover
•  Personal property
•  Minimum 2 guarantees of physical and/or legal person

Market value of collateral must not be less than credit sum 50%.

Commission

1% - is levied in case of granting credit.

10.000 AMD - for the change of conditions and/or credit repayment day,

For credit withdrawal - according to the Bank's tariffs.

No fee is charged for inquiry to ACRA credit bureau.

Penalty

The penalty is charged at 0.2% per each delayed day. 

Application examination period

2 working days after provision necessary documents.

Period of granting credit

3-5 working days after provision necessary documents.