Споживче кредитування

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.

The procedure for interaction with the consumer of financial services and other persons in the settlement of overdue debt

Consumer loan (secured by real estate)

Basic conditions:

  • The loan is provided for consumer purposes;
  • Loan amount is from UAH 5000,00 to 500,000.00, can't exceed 50% from collateral cost;
  • 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;
  • The maximum interest rate is 28%;
  • The expert property valuation cost is 1.0% of the value of the property;
  • Property insurance is 1% of the amount;
  • Notary services is 2% of the amount.

Warning of possible consequences:

  • In case of delay by the Borrower in terms of payment of interest specified in the Agreement, as well as in the delay of the loan repayment terms specified in the Agreement, the Borrower shall pay to the Lender a late payment penalty for each day of delay in the amount of double the NBU accounting rate applicable in this period and the total amount the penalty cannot be more than 15 percent of the overdue payment amount.
  • In case the Borrower violates the requirements of the Agreement, the Borrower is obliged to pay the Lender a fine in the amount of 25 (Twenty-five) percent of the amount of the Loan determined by the Agreement, for each case.
  • In the event that the Borrower does not fulfill the obligations specified in the Agreement for more than five days, the term of granting the Loan is considered to have expired and, accordingly, the Borrower is obliged to repay the Loan and pay interest for the actual time of use of the loan and accrued fines.
  • The Bank is prohibited from requiring the client to purchase any goods or services from the Bank or a related or related person as a prerequisite for the provision of these services (except for the provision of a package of banking services).
  • The Bank does not have the right to unilaterally make changes to contracts concluded with clients, unless otherwise stipulated by the contract or law.
  • The client has the opportunity to refuse to receive advertising materials through remote electronic service channels.

After the conclusion of the contract, the Client has the right to withdraw from the consumer credit agreement within 14 calendar days from the date of conclusion of this contract (in case of withdrawal from such an agreement, the client pays interest for the period from the date of receipt of funds to the day of their return at the interest rate established by the contract, and performs other actions provided for by the Law of Ukraine "On Consumer Credit" or the contract).

The client has the opportunity at any time during the validity of the contract to terminate this contract early, namely to make early repayment of the credit debt in accordance with the terms of the contract, by depositing funds to the loan account and the interest account without penalties, for the complete closure of the contract.

The client has the right after the termination of the agreement on the provision of banking services, including in connection with the expiration, termination or execution of such an agreement, to contact the bank with a request for information (certificate) regarding the fulfillment by the parties of their obligations established by the agreement , including information (certificate) about the absence of debt and full fulfillment of the client's obligations under the contract, which the bank provides in the form of a paper or electronic document (at the client's choice) within five working days from the day the bank receives such a request.

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 needs;
  • The loan amount is from UAH 5000,00 to 500,000.00 + 3.5% to the deposit rate in national currency and 15% secured by a deposit in FX;
  • One-time commission is 0.40% of the limit amount (minю 500.00 UAH);
  • The loan term is up to 28 months, but not longer than the term of the deposit agreement (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 is allowed monthly, according to the repayment schedule.
  • The loan is secured by the funds positioned in the deposit account in the lender's bank.

Warning of possible consequences:

  • In case of delay by the Borrower in terms of payment of interest specified in the Agreement, as well as in the delay of the loan repayment terms specified in the Agreement, the Borrower shall pay to the Lender a late payment penalty for each day of delay in the amount of double the NBU accounting rate applicable in this period and the total amount the penalty cannot be more than 15 percent of the overdue payment amount.
  • In case the Borrower violates the requirements of the Agreement, the Borrower is obliged to pay the Lender a fine in the amount of 25 (Twenty-five) percent of the amount of the Loan determined by the Agreement, for each case.
  • In the event that the Borrower does not fulfill the obligations specified in the Agreement for more than five days, the term of granting the Loan is considered to have expired and, accordingly, the Borrower is obliged to repay the Loan and pay interest for the actual time of use of the loan and accrued fines.
  • The Bank is prohibited from requiring the client to purchase any goods or services from the Bank or a related or related person as a prerequisite for the provision of these services (except for the provision of a package of banking services).
  • The Bank does not have the right to unilaterally make changes to contracts concluded with clients, unless otherwise stipulated by the contract or law.
  • The client has the opportunity to refuse to receive advertising materials through remote electronic service channels.

After the conclusion of the contract, the Client has the right to withdraw from the consumer credit agreement within 14 calendar days from the date of conclusion of this contract (in case of withdrawal from such an agreement, the client pays interest for the period from the date of receipt of funds to the day of their return at the interest rate established by the contract, and performs other actions provided for by the Law of Ukraine "On Consumer Credit" or the contract).

The client has the opportunity at any time during the validity of the contract to terminate this contract early, namely to make early repayment of the credit debt in accordance with the terms of the contract, by depositing funds to the loan account and the interest account without penalties, for the complete closure of the contract.

The client has the right after the termination of the agreement on the provision of banking services, including in connection with the expiration, termination or execution of such an agreement, to contact the bank with a request for information (certificate) regarding the fulfillment by the parties of their obligations established by the agreement , including information (certificate) about the absence of debt and full fulfillment of the client's obligations under the contract, which the bank provides in the form of a paper or electronic document (at the client's choice) within five working days from the day the bank receives such a request.

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

 

Repayment schedule and the loan calculation value when a consumer loan received in the amount of UAH 20,000.00 example.

 

LOAN 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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