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A current account is an opportunity to receive small amounts from a bank for a short period. If you have a current account, you can spend more funds than you have on your account and go negative. For example, if the customer delays payment, but you need to pay urgently for the rent.
It is prohibited to use a current account credit for the following purposes:
- repayment of any debt to the bank (except for the debt for settlement and cash services);
- repayment and provision of loans and credits;
- purchase of equity securities;
- payment of dividends;
- investment in authorized capital;
- replenishment of secondary deposit accounts.
Entrepreneurs always have many expenses: taxes, office rent, purchase of raw materials, purchase of equipment, its maintenance, payment of wages, etc. Usually, entrepreneurs calculate money in such a way that there is enough for everything, but sometimes something goes wrong.
Interest is not charged in the first 7 days from the date of each takedown (tranche).
Not more than 50% of the total amount of average monthly receipts to the customer's current accounts for the last 6 months (the maximum amount is 1,000 reference calculation value).
Not more than 12 months, while the mandatory period for each takedown (tranche) cannot exceed 45 days.
Monthly on the 5th. While, the interest is not charged in the first 7 days from the date of each takedown (tranche). Interest is accrued from the 8th day of the takedown (tranche).
Automatically by the bank at the close of the transaction day from the funds to the deposit account of the borrower.
Yes, it does. See the bank's information resources for collateral requirements.