Each member of the Credit union "Trynadcyata zarplatnya" has an opportunity to get a loan in accordance with conditions foreseen by the Credit union.

The Union credits its members and other credit unions accordingly to the Laws of Ukraine "About credit unions", "About financial services and regulation of  financial services markets",the Charter and internal statements.

Granting credit conditions, interest rates and credit contract samples have to be obligatory confirmed by decision of Observation council and are of obligatory realization for Crediting committee and Union's Board of Directors.

                      Order of granting credits to the members of the Union:

Credit is given to a member on the grounds of credit member application and Crediting committee's approval on granting such credit,which is confirmed on the grounds of Union member's responsiveness concerning getting some kind of credit.

The main credit granting condition is an obvious solvency (to pay credit sum back to the Union) and credit interest payment during the term set by the contract at the expense of personal sources of income or guarantor's income.

Application on granting credit for investment project development is considered if feasibility study report (business plan) is presented;business plan to be worked out with requirements observance approved by Observation council.

Application on granting consumer credit is considered on condition of certificates presentation,which attest actual income sources of Union's member.

All decisions on granting credits are approved by Crediting committee of the Credit union at its sittings,which are fixed in establihed order in the protocol.

Guarantee fixed by Observation council decision can be foreseen as an obligatory condition for granting some kinds of credits,including presence of the set deposit sum of set kinds.