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Bank loan calculator
Retail lending. Loan granting to private individuals
One of spheres of Bank loan calculator activity is retail lending(Loan granting to private individuals).
Borrowers must be physical of age parties registered or having permanent citizenship in Republic of Belarus, and having steady source of income.
Citizens at age of retirement can get a Bank loan calculator only for consumer needs and if they have a physical coborrower, who will not rich retirement age, established by legislation, till termination of Bank loan calculator contract.
Head office, having an address , carries out Bank loan calculator activities (loan granting) only to private individuals, serviced according to salary project.
Private individuals can get a Bank loan calculator for following purposes:
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Bank loan calculator for financing real estate:
| building (reconstruction) of dwelling houses and flats;
buying or exchange of a dwelling house or a flat;
building and acquisition of garden houses and individual dwelling houses for seasonal living;
building and acquisition of garages (parking places);
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Bank loan calculator for consumer needs:
| acquisition of goods meant for individual, family or domestic consumption;
acquisition of transport means with no more than 5 years working lifespan;
service credits(acquisition of tours for holidays and cure; expences on studying and medical help; for ritual cervices; for security system installation and installation of telephone network);
acquisition of a member-card in sports and health club Fitness World (hereinafter referred to as - Club);
other consumer needs.
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Bank loan calculator period of use
Bank loan calculator period of use has following limitations:
Bank loan calculator for financing real estate:
Bank loan calculator for building, acquisition, exchange of a dwelling house or a flat, acquisition of a flat by taking part in local housing bond loans - up to 15 years;
Bank loan calculator for reconstruction of dwelling houses or flats, for building or acquisition of garden houses, individual dwelling houses for seasonal living, garages (parking spaces) - up to 7 years;
Bank loan calculator for consumer needs:
auto-Bank loan calculator for acquisition of transport means with no more than 5 years working lifespan - up to 5 years;
Bank loan calculator for acquisition of member-cards of Club - up to 1 year;
Bank loan calculator for other consumer needs - up to 3 years.
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Clients solvency analysis
| Before giving a Bank loan calculator procedure of clients solvency analysis and his ensuring performance of obligations should be carried out.
For financing real estate only cashless Bank loan calculators are granted in Belarusian rubles and in foreign currency.
For consumer needs Bank loan calculators are granted:
in Belarusian rubles:
on accounts of a third party;
by giving a cheque book;
on current (operating) account of borrower, opened in Bank with issuing a plastic bank card - no more than 500 primary insurance amounts;
in cash - no more than 200 primary insurance amounts.
in foreign currency:
on accounts of nonresidents, their agencies and filial opened in bank;
on accounts of third parties in Belarusian rubles;
by giving a cheque book in Belarusian rubles;
on current (operating) account of borrower, opened in Bank with issuing a plastic bank card - no more than 5000 USD.
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Bank loan calculator amount
Bank decides on amount of Bank loan calculator basing on:
the value of Bank loan calculator project;
borrowers financial solvency. For crediting real estate and transport means, if necessary, total net income of family members is taken in account, and total net incomes of other coborrowers (no more than two) on their permission.
The amount of Bank loan calculator should not be more than 70% of project value (member-card value).
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Loan documentation
For obtaining a Bank loan calculator and signing a loan contract borrower must present following documents:
application form;
passport or other identity and registration document, photocopies of passport;
a photocopy of work book filled in according to rules (except Bank loan calculators for consumer needs);
earnings and takeaways certificate for last three months from work and/or documents confirming other sources of income, provided they exist;
in case of calculating total net income of family - photocopy of marriage certificate, birth certificate or other document confirming family structure;
jthe other documents depending on purpose of Bank loan calculator.
For bail security private individuals should additionally present:
written application from coborrower with a request to include his income into total net income of borrower while calculating his Bank loan calculator worthiness (if necessary);
coborrower`s form;
passport or other identity and registration document, and photocopies of passport;
a photocopy of work book of coborrower (if necessary)filled in according to rules (except Bank loan calculators for consumer needs);
earnings and takeaways certificate as a rule for last six months from work and/or documents confirming other sources of income, provided they exist.
Forms and earnings and takeaways certificates from work are presented by bank.
Coborrower must be an of age private individual permanently registered in Republic of Belarus and having a stable course of income.
Ensuring performance of obligations:
Performance of obligations and interest paying can be also ensured by: cash margin deposit, collateral of immovable and movable estate, guaranty and other ways under Law of Republic of Belarus. It is possible to use various kinds of backing for one Bank loan calculator contract.
If car, bought with Bank loan calculator, is used as a collateral, it is necessary to insure full motor hull for whole period until Bank loan calculator is paid back.
Plan of Bank loan calculator settlement:
For separate Bank loan calculators on estate financing compensations of a principle amount of a loan can be made in following way:
for building an individual dwelling house - beginning with following month after putting house into operation, but no later than after 2 years after signing Bank loan calculator contract;
for building a flat - beginning with following month after putting house into operation, but no later then after 1 year after signing Bank loan calculator contract;
if a flat or a dwelling house is built without a full range of interior décorations in accordance with established order - 6 months after house is put into operation, but no later than after a year after signing Bank loan calculator contract;
for buying, changing, reconstructing of a dwelling house or a flat, also for building garden houses, garages (parking spaces) - no later than after six months after signing contract;
Payments on principle amount of loan of Bank loan calculators for acquisition of transport means or for consumer needs must be started beginning with next month after getting Bank loan calculator.
The borrower has right to perform prescheduled repayment of Bank loan calculator (part of credit) on permission of Bank, provided he pays interest for actual time of usage of Bank loan calculator.
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Account service and Bank loan calculator clearing transactions
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Operation name
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Rate of tariff
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Providing, on request of a private individual, statements of current (operating)account, holdings (deposit), bank transfers made in previous years with attachments; issuing various official documents
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0,3 primary insurance amount for one statement
(official document)
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Granting of cheque books and cheques in
settlement to private individuals
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0,5 primary insurance amount
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Acceptance of disposable funds in
Belarusian rubles from private individuals on account
of diplomatic missions, legal entities and
sole proprietors - clients of JSC
"Belvnesheconombank" *
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1 % from accepted sum, minimum 0,1
primary insurance amount, maximum 2 primary insurance amount,
or by agreement of parties
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Acceptance of disposable funds in
foreign currency from private individuals on account
of diplomatic missions, legal entities and
sole proprietors - clients of JSC
" Belvnesheconombank " *
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1 % from accepted sum, minimum 1
USD, maximum 20 USD,or by agreement of parties
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Withdrawal of disposable funds in
Belarusian rubles, entered with a bank transfer
without opening an account, except cashless transfers through
private paying systems (except monetary funds
according to list agreed in Attachment 1)**
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1% from accepted sum, maximum 10
primary insurance amounts, or by agreement of parties
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Withdrawal of disposable funds in
foreign currency, entered with a bank transfer
without opening an account, except cashless transfers through
private paying systems (except monetary funds
according to list agreed in Attachment 1)**
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1% from accepted sum, minimum 3
USD, maximum 200 USD, or by agreement of parties
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Withdrawal of disposable funds,
entered with a bank transfer on a current
(operating) or other bank accounts (accept disposable funds
according to list agreed in Attachment
1)**
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-in Belarusian rubles
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1% from accepted sum, maximum 10
primary insurance amounts, or by agreement of parties
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-in foreign currency
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1% from accepted sum, minimum 3
USD, maximum 200 USD
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Bank transfer of disposable funds in
foreign currency from an account or without opening an
account:*
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-in Bank
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0,5% from accepted sum, maximum
100 USD
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-in bank of Republic
of Belarus
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1% from accepted sum, minimum 5
USD, maximum 200 USD
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-to foreign banks
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1% from accepted sum, minimum 15
USD, maximum 200 USD
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Bank transfer of disposable funds in
Belarusian rubles from an account or without opening an account
(except transferring ruble equivalent while
buying cash foreign currency):*
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-in Bank
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0,5% from accepted sum, maximum
10 primary insurance amounts
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-in bank of Republic
of Belarus/I>
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1% from accepted sum, minimum
0,1 primary insurance amounts, maximum 10 primary insurance amounts
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-to foreign banks
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1% from accepted sum, minimum
0,5 primary insurance amounts, maximum 10 primary insurance amounts
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Granting Bank loan calculator in foreign currency with following buying of foreign currency and transfer of Belarusian rubles to a current (operating) account of borrower, opened in Bank
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2% from accepted sum in Belarusian rubles
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Issuing, on request of a client,
of official documents with banknotes numbers given in banks
cash desk in foreign currency
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1 primary insurance amount
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