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Term
Term Accrued percent (term)
Monthly Payable at maturity
AZN USD EUR AZN USD EUR
1 month - - - - - -
month - - - 14 - -
6 month 14.7 2.2 - 15.3/15 2.4 -
month - 2.5 - - 2.7 -
12 month 17 3 - 17.3 3.1 -
18 month 17 3 - 17.3 3.1 -
24 month 18 3 - 18.5 3.1 -
36 month 18/15 - - 18.5 - -

Note: Unibank CB joined the Deposit Insurance Fund on 30 June 2007. If interest, a client can take out the insurance of their ‘Termed’ AZN and FX deposits with the annualised interest gains equalling 15% and up to 3% respectively.


Minimal deposit amount:

500 AZN/USD

Deposit period:

From 1 months to 36 months.

Accrued interest:

Monthly, payable at maturity.

Increase of principal amount:

Not provided.

Prolongation:

Provided.

Credit line:

The conditions of the cash loan secured by a deposit:
Ammount- maximum 70% of the deposit

The annual rate of interest = the rate of interest of the current deposit in question + 5%

The conditions of the card loan secured by a deposit:

Ammount- maximum 60% of the deposit

The annual rate of interest = the rate of interest of the current deposit in question + 5% ( in AZN – minimum 12%; in other currencies – minimum 10%)

The total amount of the loan and the card loan secured by a deposit regardless of the currency – 70% of the deposit in question

The making-out fee for a loan secured by a deposit – 1% in accordance with the credit procedure

 


Depending on your amounts, you will be entitled to plastic cards of different types to accumulate the interest accrued on your deposits.

Deposit Amount (AZN, USD)

Plastic Card

1 000 – 20 000

«Visa Classic» or «MC Standard»

20 001 - 50 000

«Visa Gold» or «MC Gold»

More than 50 001

«Visa Platinum» or «MC Platinum»


Premature withdrawal of deposit:

The interest gain from the deposits made for 12 months and longer shall be payable as follows in the event of premature withdrawal of a deposit:
а) Where the actual term of an AZN deposit has been up to 90 days - at 0% (zero per cent) annually;
b) Where the actual term of an AZN deposit has ranged from 91 to 360 days - at 30% (thirty per cent) of the effective annual interest rate;
c) Where the actual term of an AZN deposit has been longer than 360 days - at 60% (sixty per cent) of the effective annual interest rate;
d) Where the actual term of a USD has been up to 30 days - at 0% (zero per cent) annually;
e) Where the actual term of a USD deposit has ranged from 31 to 180 days - at 15% (fifteen per cent) of the effective annual interest rate;
f) Where the actual term of a USD deposit has been longer than 180 days - at 30% (thirty per cent) of the effective annual interest rate;
g) Where the actual term of a EUR deposit has been up to 180 days - at 15% (fifteen per cent) of the effective annual interest rate;
h) Where the actual term of a EUR deposit has been longer than 180 days - at 30% (thirty per cent) of the effective annual interest rate.

The interest gain from the deposits made for 3, 6 and 9 months shall be payable as follows in the event of premature withdrawal of a deposit:
а) Where the actual term of an AZN deposit has been up to 180 days - at 0% (zero per cent) annually;
b) Where the actual term of a USD/EUR deposit и EUR has been up to 180 days - at 20% (twenty per cent) of the effective annual interest rate;
c) Where the actual term of a USD deposit has been longer than 180 days - at 30% (thirty per cent) of the effective annual interest rate.

The interest gain from the deposits made for 1 month shall be payable as follows in the event of premature withdrawal of a deposit:
a) Where the actual term of an AZN has been up to 30 days - at 0% (zero per cent) annually
.

 

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