For large corporate clients and clients who use several products of the Bank (accounting and cash service, salary projects, etc.), the Bank can provide individual rates for obtaining a loan. The criteria for applying individual (discounted) interest rates are:

• turnover of the client for settlement and cash service;
• strategic client, participant of large salary projects of the bank;
• purchase of mortgaged property, accepted on the bank's balance sheet, listed on the bank's balance sheet for a long period of time, as well as in case of exceeding the fair value over the market value;
• and other objective reasons, including retention of a client with a positive credit history in the bank.

The final decision on the application of individual (discounted) interest rates is taken by the Bank's committee.