UniCredit Bank offers mid – term and long – term loans for the purpose of the investment projects financing and/or modernization of the current production facilities.
Loan may be disbursed in one amount or with tranches during the term of the utilization period.
Interest rate may be fixed or floating according to the agreement with the Client. In case of the floating interest rate the Client may have advantage in case of the first – rate institutes interest level decrease (LIBOR, EURIBOR, MOSPRIME). Fixed interest rate provides the Client with the opportunity to decrease its dependency from the instable financial markets. Interest rate is charged from the utilization amount.
Term of the loan is determined individually depending on the pay- back period. Repayment is subject to the agreed schedule. Schedule anticipates the grace period (usually from the disbursement date up to the date the project is launched).
Standard agreement terms, furthermore, suppose pledge of the financed object.
Classification of the loan as the investment one accounts for the criteria of the repayment with the own Client revenues without the return of the financed project, otherwise the loan is classified as the project one.
Particular terms of the loan are determined after the detailed financial analysis of the Client and the project.