Consumer loans

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.

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.