Overdraft - is form of short-term loan, granting of which gives to a customer a possibility to make payments over amount available on current account of the Customer within the credit limit, as the result of which on the account of the Customer will be formed negative balance.

This service is provided only within the salary project of the Demir Bank and gives a chance as to customer as employee of institution to get overdraft up to 40% of average monthly salary.

E.g. having 100 soms on account a customer may get 300 som and on account will be formed negative balance in amount of 200 som. In other words overdraft amount is equal to 200 som.

Overdraft advantages:

• No need in collateral in form of movable/immovable property
• You don't pay commission for drawing up of overdraft
• No need in documentary confirmation of end use of loan
• You may withdraw money not only in cash areas of the Bank but in ATMs, as well as to make purchasing via POS-terminal for amount exceeding account balance
• Within the credit limit you may get and repay overdrafts repeatedly
• Having signed agreement on overdraft, you are entitled do not use this service and to use it only in case of need