Photo: Savings
Number of clients among small businesses, served in the Far East Bank of Sberbank of Russia, exceeded 53 thousand. This is more than 90% of corporate clientsBank. Only then will the 2012 this category of borrowers granted loans amounting to more than 16.6 billion rubles.
«Working with small businesses in the bank is a priority,» — said Marina Perebeynus, Vice-President of Far East Bank OJSC «Sberbank of Russia». — For small business, the Bank provides banking services to more than 20 with the Bank aims to offer customers a comprehensive service. Plans include a combination of the most popular banking services make it possible to serve customers at lower rates. Still remains the most popular service credit. Here, the Bank offers business opportunities. »
Thus, at present, the Bank acts range of credit products, specifically focused on the needs of small business:
Loan.» Business Trust » — Unsecured and untied loan,
Loan. «Business Turnover of» — credit is given for the purposes of working capital (purchase of raw materials, products, implementation of current expenditure) for up to 2 years on the security of existing assets (partially allowed unsecured loans ) and surety business owners
Loan. «Business-Invest» — credit is given for the purposes investments in fixed assets, as well as the repayment of loans from other banks, provided for this purpose. Loan term up to 5 years under security of available assets (partially allowed unsecured loans) and surety business owners
Loan. «business assets» — credit is granted for the purchase of equipment for a period of 5 years at a rate of not more than 80% of the cost of purchased equipment cost + insurance secured by the purchased equipment and surety business owners
Loan. «Business Property» — credit granted for the acquisition of real estate business for 10 years at a rate of not more than 80% of the cost of purchased property on the security acquired object property and surety business owners
Loan. «Business Rent» — credit is given to organizations involved in the delivery of commercial premises, for any business purpose for a period of 10 years on the security of owning the object and the surety business owners,
Loan. «Business Auto» — credit is granted for the purchase of vehicles for a period of 5 years to a maximum of 80% of the purchased vehicle + the cost of insurance on the security of the acquired property and surety business owners ,
Loan. «Business Overdraft» — credit is given to cover cash gaps up to 1 year, the calculation takes into account credit limit turnovers in other banks.
At the end of 2012 — early 2013 Sberbank Russia brought to market a new credit products, which quickly became popular among customers:
«Business Start» — credit to budding entrepreneurs to establish their own business (franchise /typical business plan) — no analogues in Russia.
«Trust» (unsecured, scoring) — The ability to obtain loans of up to $ 5 million rubles. for up to 4 years of age, the period of decision-making — up to 3 days,
.
«Business Guarantee» — bank guarantees in the amount of 50 thousand rubles. 2 days secured notes Savings Bank, conducted a rapid assessment of the client (the client provides reduced package of documents is not conducted financial analysis activities) not required to provide guarantees.
allowed unsecured guarantees in the amount of up to 4 million rubles:
«Express Auto», «Express-Go» — the ability to get a loan of up to 5 million rubles. for up to 5 years on the security property to be acquired, the term decision making — up to 3 days. ability to buy a vehicle on credit at a lower price offered by a dealer in the showroom (by offering corporate discounts to the Bank).