Required documents
1. List of required documents for legal entities
1.1 Constituent documents
à) State registration certificate;
b) Document certifying state registration of taxpayer;
c) Statistics card;
d) License – if type of activity is subject to licensing;
e) Passport copies of founders/promoters, spouses of founders, chief accountant, guarantors.
1.2 Documents certifying authorities of persons for carried out deal and also legitimacy of deal in general
à) Charter, charter agreement (if there is one founder, charter agreement is not required). Upon conclusion of deal with Joint Stock Company, prospect of securities issue and statement from shareholders register will be additionally requested.
b) Decision of authorized body about appointment of executive body.
Decision should contain full name of appointed person, position and appointment date (position should be in line with name of executive body, provided in the charter). Decision should be made by body authorized by charter; its registration should be in line with requirements of charter. Exception – when it is provided in the charter that who is appointed for given position.
c) Decision of authorized body on conclusion of credit agreement. Decision should contain name of bank, and main conditions of credit agreement (amount of credit, interest rates, period). Exception – when it is in competency of executive body.
* Decision should be taken by body, which is authorized by charter; registration should comply with requirements of charter.
1.3 Documents confirming financial activity of enterprise
à) balance of enterprise with stamp of tax body
b) Income and loss statement
c) Cash flow statement
1.4 Documents confirming lack of debt
à) Certificate from tax committee about lack of debt on obligatory payment to budget, or examination act;
b) Statement from Social Fund about lack of debt;
c) Statement from bank which provide services about lack of credit debt and card #2 (if borrower provided bank account in application).
1.5. Other documents upon request of the bank
2. List of required documents for private entrepreneur
2.1 Documents confirming registration and confirming authorities for conclusion of credit agreement
à) Passport;
b) à. State certificate on registration of private entrepreneur;
b. Document confirming state registration of tax payer as individual, if pays taxes on basis of patent;
c) License – if type of activity is subject to licensing;
c) Certificate about rent of trade point (if trades at market) (if available);
2.2. Documents confirming lack of debt
à) Patent upon taxation on basis of patent;
b) Statement from state tax inspection and Social Fund about lack of debt;
c) Statement from bank which provide services about lack of credit debt and card #2 (if borrower provided bank account in application).
2.3. Other documents upon request of the bank
3. List of required document from individuals
à) Copy of passport;
b) Documents certifying activity of borrower (if available);
c) License – if type of activity is subject to licensing;
d) Certificate about rent of trade point (if trades at market) (if available);
e) Other documents upon request of the bank.
