OREANDA-NEWS. July 13, 2009. The main distinctive feature of the program is its “anti-crisis” price to be calculated on the basis of the minimal interest rate, and possibility to get long-term borrowings, reported the press-centre of UNIASTRUM BANK.

The main characteristics of the program are as follows:

loan amount from RUR 5,000,000 to 20,000,000;

interest rate from 17.7% p.a.;

disbursement fee of 2.7%;

lending period from 10 years (the working capital loan for up to 3 years);

loans for any purposes (working capital loan, purchase or repair of the capital assets, refinancing of current loans taken from third-party banks provided the borrower has had a good credit history);

pledge of residential and commercial real estate;

respite of up to 6 months (provided the necessity is substantiated);

period of examination of the loan application of up to 5 business days, it is possible to fill in the on-line questionnaire on the bank’s site

equal monthly installments.

In conditions of the current economic situation UNIASTRUM BANK takes the most effective steps to support small and medium-sized businesses – reduces the interest rate and amounts of installments via providing the loan funds for longer periods. Considering the fact that the loan repayments are based on equal monthly installments), the actual loan price constitutes 10.7%, and the price including all fees is 13.4%. Thus, for a loan of RUR 1,000,000 the client will pay RUR 134,000.

UNIASTRUM BANK pays a special attention to rendering real assistance to small businesses via reducing the price for loans and amounts of monthly payments, Viktor Okopny, director of the Small Business Lending Bloc states. We stimulate the development of the existing businesses and of new lines of activities of our clients. UNIASTRUM BANK offers a custom-tailored approach and flexible lending conditions which serves as a solid foundation for building up partnership and business relations”. UNIASTRUM BANK was founded in 1994. UNIASTRUM BANK is a universal bank making all types of banking transactions offered in the market of financial services and specializes in retail banking and SME banking.

UNIASTRUM BANK is in the TOP-20 list of Russian Banks with the biggest distribution network, is ranked 61st in the amount of assets, 15th in the amount of retail deposits, 15th in the mortgage lending volumes and 14th among the most dynamically developing banks in 2003 to 2007 (according to ratings of the RosBusinessConsulting Agency). According to financial reporting as of 01.01.2009, the net assets of UNIASTRUM BANK exceeded RUR 47 bln., net worth amounted to RUR 7,55 bln.

Moody’s Investors Service upgraded the UNIASTRUM BANK long-term global scale rating to Вa2 and national scale rating to Aa2.ru. At present the Bank is operating over 220 outlets (including 42 branches) in 45 Russian regions.