U- Profy

Credit card for salary projects and individuals

Visa Electron, Visa Classic, Visa Gold, ArCa

Requirements to borrower

1. Individual persons

2. Absence of negative credit history

3. No less than 6 months work experience

at the last work place

4. Transfer of salary to the card account at "Unibank" CJSC

Required documents

1. Application

2. Passport

3. Social card

4. Reference from the employer about position and salary

Credit amount

Up to 3 -fold salary

Credit currency

AMD, USD, EUR

Credit period

Up to 24 months

Security

The product stipulates to transfer salary to the card account. If the employer guarantees the rate is reduced by 2%.

Annual interest rate

1. for private borrowers - 24% (inquiry to the credit bureau ACRA,  according to the Bank’s tariffs )

2. for salary projects up to 50 employees - 22%

3. for salary projects more than 50 employees - 20% on the used portion of the overdraft.

   Credit interest is computed on the basis of the nominal interest rate. The actual interest rate shows the cost of the credit in case of timely payment of interest and other fees. Please see the annual actual interest rate calculation formula here.

Purpose

Customer needs.

Cash-withdrawal commission

0.5%

Annual fee for account maintenance

According to the Bank’s tariffs

Necessarily positive turnover

Repayment of a negative balance at the time of generation of discharge by 10 percent, with a positive turnover of the last day of that month.

Repayment order

1. Monthly repayment of interests

2. Repayment of principal amount at the end of the credit  term.

Penalties

If the condition of a positive turnover is violated, client will be charged one-time fee of 3% of the outstanding amount.

   The maximum period for the approval of the credit application is 3 working days after necessary documents presentation by the client.

  Bank informs the client on the decision of the credit application within one working day.

  The credit is provided to the client within one working day after concluding all the necessary contracts.