JSC "Bank Constanta"

• Small and medium enterprises segment

Loan terms

• The client is a business owner and has income from this business

• In case an individual does not own the business but his/her economic activity is the guarantee of permanent income (private doctor, lawyer, independent auditor, etc.)

• collateral

Currency Gel

Loan 5001 - 7000 7001 - 12000 12001 - 17000

Period (Days) 90 - 1080 90 - 1080 90 - 1440

USD USD/GEL

3001 - 1000010001 –

17000/17001 - 29000

17001 –30000/2900

1 - 51000

30001 –50000/5100

1 - 85000

50001 –70000/85001 - 119000

90 - 1800

Currency

Loan

Period (Days)

Tax Rate 20 % - 48 %

Tax Rate 18 % - 48 % 16 % - 48 % / 18 % - 48 % 14 % - 48 % / 16 % - 48 %

5001 – 17000 (GEL)

3001 – 30000 (USD)

30001 – 50000 USD51001 – 85000 GEL

50000 – 70000 USD85001 – 119000 GEL

First 10 days overdued money’s 3%, till 30 days overdued money’s 1%, then for every overdued money’s 0.1%

For every overdued day 1%, after 30 days for every overdued day 0.1%

For every overdued day 0.5%, after 30 days for every overdued day 0.1%

5 000 – 17 000 GEL 3 001 – 10 000 USD10 000 – 85 000 USD / 17

000 – 119 000 GEL

4 months 6 months

5001-12000 GEL

12001-17000/ 3001-10000

10001-17000/1700

1-29000

17001-30000/2900

1-51000

30001-50000/5100

1-85000

50001-70000/85001-

119000

2.5 %-4% 2.3%-4% 1.7%-4% 1%-4% 0.5%-4% 0.3%-4%

GEL / USD

5 001 – 51 000 GEL / 30 001 – 30 000 USD

30 001 – 50 000 USD/ 51 001 – 85 000 GEL

50 001 – 70 000 USD / 85 001 –119 000 GEL

Legality is not requiredIncome proved by

official tax documents must be at least 1 %

Income proved by official tax documents must be at least

25 %

>> Collateral

>> Mortgage by car, gold and so on... Its

cost should be at least 30% of loan

>> Private and movable, valuable Property

>> Employed person who has constant income>> Minimum salary 500 GEL>> Independently from client possesses own business>> Independently from client owns real estate>> Lease income must be1.5 times more than monthly payment of borrower on loan