Consumer loans

Consumer loans

 

JSC «COMINVESTBANK» offers lending services for the individuals by providing the consumer loans. Such loans are provided to the borrower for purchasing housing, vehicles, household appliances, payment for training, treatment, services or custom works, so to satisfy any needs that aren't related to entrepreneurial, independent professional activities, or performance of the duties of a hired employee.

Consumer loan (secured by real estate)

Basic conditions:

  • The loan is provided for consumer purposes;
  • Loan amount is up to UAH 500,000.00, can't exceed 50% from collateral cost;
  • Interest rate - from 22% per annum *;
  • One-off fee - from 1 to 1.5% of the issuance amount;
  • Loan term - 12, 24, 36 months;
  • Loan issuance form: non-cash / cash;
  • Insurance: compulsory real estate insurance provided as collateral in any insurance company approved by the Bank, at your choice;
  • Loan repayment frequency - monthly, according to the repayment schedule.

The loan is secured by real estate.

* Real annual interest rate: 31.24% (calculated based on the maximum loan term of 36 months). The actual value of the real annual interest rate on the loan will depend on the individual lending conditions (loan amount, term, special conditions for the product, etc.).

Requirements to the borrower:

  • age from 23 to 60 years old at the time of repayment;
  • borrower payment ability;
  • social and material stability of the customer.

List of the basic documents for obtaining a consumer loan:

Other fees related to the loan secured by real estate:

  • fee for the skilled evaluating the mortgage subject that can be provided by any valuation company approved by the Bank;
  • fee for obtaining an extract/extracts from the State Register of encumbrances on movable property;
  • fee for obtaining information from the State Register of Real Property rights;
  • fee for the notarial services related to the conclusion and execution of the mortgage agreement;
  • fee for the state registration of the mortgage;
  • fee for the state registration of the real estate rights encumbrance (prohibiting mortgage subject alienation);
  • fee for the state registration of mortgage termination;
  • fee for the state registration of Real Property rights encumbrance termination (prohibiting mortgage subject alienation);
  • fee for obtaining extracts on mortgage registration/encumbrance registration;
  • fee for obtaining extracts on mortgage termination registration/encumbrance termination registration;
  • insurance fee under the mortgage subject insurance agreement;
  • fees related to opening and maintaining a current account.

How to get a loan

To get a loan, you should contact the bank branch with the documents required for getting a loan

Essential features information on the consumer credit service (secured by a mortgage) for the Bank customers

 

Consumer loan (secured by deposit account funds)

Basic conditions:

  • The loan is provided for consumer purposes;
  • Loan amount is from UAH 200,000.00;
  • Interest rate - from 22% per annum *;
  • One-off fee - from 1 to 1.5% of the issuance amount;
  • Loan term - 12 months (the loan agreement expiration term is set no later than 1 month before the date of returning the bank deposit amount according to the bank deposit agreement terms);
  • Loan issuance form: non-cash / cash;
  • Insurance costs is 0%;
  • The collateral notarial registration costs is 0%
  • Loan repayment frequency - monthly, according to the repayment schedule.

The loan is secured by the funds positioned in the deposit account in the lender's bank.

* Real annual interest rate: 22.00%. The actual value of the real annual interest rate on the loan will depend on the individual lending conditions (loan amount, term, special conditions for the product, etc.).

Requirements to the borrower:

  • age from 23 to 60 years old at the time of repayment;
  • borrower payment ability;
  • social and material stability of the customer.

List of basic documents for obtaining a consumer loan:

How to get a loan

To get a loan, you should contact the bank branch with the documents required for getting a loan

Essential features information on the consumer credit service (secured by deposit account funds) for the Bank customers

The List of accredited insurance and valuation companies approved by JSC «COMINVESTBANK»

Consumer lending agreement exemplar

CREDIT CALCULATOR will help you to calculate the interests.

For more detailed information please contact the nearest regional Branch or call to the Bank's Head Office Credit Operations Department: +38 (0312) 61 98 09 (cost of call is according to your carrier's rates)

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