Overdraft is a handy short term loan amounting up to 70% of salary for the members of payroll projects. Get a card, apply for overdraft and pay for your goods and services even with zero card balance.
To arrange overdraft, you need to submit 1 identity document only. Overdraft repayment is automatic and uses the money received to you card account.
Afford yourself more and please your close ones with nice purchases and presents.
Currency: in card account currency
Period: up to 12 months
Usage period: the current calendar month, in which the overdraft is opened
Maximum amount: KGS 50,000, while:
- not more than 70% of average monthly salary, paid to card account for the past 3 months subject to organization’s guarantee;
- not more than 50% of average monthly salary, paid to card account for the past 3 months subject to pledge under the Money Rights Pledge Agreement;
- not more than 100% if overdraft is granted under the Money Possessory Pledge Agreement.
Soft rate– 0 % p.a. applicable to non-cash settlements at trade and service outlets during drawdown period;
Basic rate – 24% p.a. applicable to other operations during drawdown period and indebtedness repayment;
Penalty rate– 24% p.a..
For the nearest Bai-Tushum Bank office address and contract phone number, please see Contacts and Branch Network section or contact the Call Center: (312) 905 805.
* effective rate: 26,5%