Consumer loans

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.

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:

• application (indicating the loan amount, term and offered collateral);

  Download the application in DOC file

• passport of a citizen of Ukraine;
• a certificate from the State Tax Inspectorate on the assignment of an individual tax number or the registration number of the taxpayer's account card;
• income documents (income certificate from the job place within the last 6 months or income statement for the previous year);
• documents confirming the title to the property offered as collateral
• poll, questionnaire (the form is provided by the Bank for filling).

  ЗDownload the poll in DOC file

  Download the questionnaire in DOC file

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

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.

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:

• application (indicating the loan amount, term and offered collateral);

  Download the application in DOC file

• passport of a citizen of Ukraine;
• a certificate from the State Tax Inspectorate on the assignment of an individual tax number or the registration number of the taxpayer's account card;
• income documents (income certificate from the job place within the last 6 months or income statement for the previous year);
• documents confirming the title to the property offered as collateral;
• poll, questionnaire (the form is provided by the Bank for filling).

  Download the poll in DOC file

  Download the questionnaire in DOC file

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