Loans and lines of credit

The maximum amount of the lending limit (issuance limit, debt limit and their combination) is determined taking into account the needs of the client and based on an assessment of his creditworthiness and legal capacity, credit history with the Bank, the specifics of the project being financed, etc.

An indispensable condition for the provision of credit resources is that the client has accounts with VTB and a positive credit history with the Bank (if the borrower has previously received loans), as well as a positive result of the analysis of the project provided by the client.

Depending on the needs of the client, credit lines can be with an issue limit or with a debt limit.

The Bank accepts as collateral for credit lines:

• pledge of real estate, fixed assets of the client, inventory, property rights;
• pledge of liquid securities of Russian and foreign issuers;
• guarantees (sureties) of reliable banks or solvent enterprises; 
• debt obligations of the Borrower's counterparties, and other assets.