Joint stock commercial bank “Rysgal”

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For SME

Credits for SME

Credit kinds and conditions for corporate customers:
The investment projects are subject to credit financing and they provide below-mentioned purposes: 

Credits are provided for financing of the abovementioned activity under condition of investment into the investment project of not less than 15 % of own means by debtors. (Own investment can be in money terms or performance of works under the project)

 


Interest rates and terms of credits

for industrial purposes:
Purchase of the industrial equipment etc
5 % per annum for a term of 10
Purchase of raw materials and materials 5 % per annum for a term of 3 years
Rendering of services 8 % per annum for a term of 3 years
Trade 12 % per annum for a term of 3 years
Reconstruction and renovation of industrial buildings, purchase of building machinery and cargo motor vehicles 8 % per annum for a term of 10 years
According to the Decision of the President of Turkmenistan «Concerning the state support of small and medium business» 5 % per annum long-term preferential credits
According to the Decision of the President of Turkmenistan «Concerning the state support of small and medium business» 5 % per annum long-term preferential credits
According to the Decision of the President of Turkmenistan «Concerning financial support of manufacturers of agricultural production» 1 % and 5 % per annum long-term credits

Easing grace period is possible depending on a kind of manufacture, the period of construction and the manufacture organization, and also on the other factors provided in business plan.

How submit the application

After selection of package of documents provided in the list of documents, and also when the need arises of demanded ones for explanation of various niceties and project conditions, the customer addresses with letter of request for credit reception.

The purpose, sum, term and grace period of the required credit, kind and description, and also belonging of offered surety is described in detailed in request.
Bank employees can consult you for revelation of necessity of additional requirements on documents list, and also at arising of additional questions.

List of documents for legal entities