The mortgage is issued for usage (tuition costs, repairs, travel, etc.)
The mortgage can secured be flats, personal homes with land plots, land plots
Loan quantity range: from 200 000 to 2 000 000 UAH, however a lot more than 50% of security value
- 17% – for consumers wages that are receiving earnings from entrepreneurial tasks to a merchant account with CREDIT AGRICOLE BANK;
- 18% – for any other consumers.
One-time commission when issuing that loan
- 1.2percent for the loan quantity – for customers getting wages or earnings from entrepreneurial tasks to a merchant account with CREDIT AGRICOLE;
- 2.5% for the loan quantity – when it comes to list that is general of.
Loan term: as much as 7 years (inclusive)
As a type of loan: non-cash transfer that isâ€“ of funds to the current account regarding the Borrower exposed with all the Bank
Payment scheme (in the discretion associated with Borrower):
- equal installments that are monthlyannuity payment routine)
- re payments that decrease on a monthly basis (standard payment schedule)
Insurance: mandatory insurance coverage associated with the pledged home at one of many insurance providers authorized by the financial institution, at your preference
*Real annual interest: from 20,02per cent (determined based on the optimum loan term of 7 years, annuity routine for redemption).
The specific value of the actual yearly rate of interest on financing depends on specific financing conditions (loan quantity, duration, unique terms of the item, etc.
You can easily get that loan if:
You may be from 25 to 60 years old
You’ve got permanent revenue stream and time record in your workplace that is current of minimum one year.
Extra loan re re payments:
- notary solutions, one-time (average price UAH 10,000)
- solutions of a appraiser, one-time (average cost 2000 UAH)
- insurance coverage for the topic of home loan (for per year) – 0.3% for the value that is appraised of.
- life insurance coverage for the debtor – no
Early termination regarding the loan contract during the effort associated with the customer can be done just with the total repayment that is early of loan and all payments given to by the contract.
The ability to end the mortgage contract within 14 calendar times through the date of its summary will not apply, considering that the satisfaction of responsibilities beneath the loan contract is ensured because of the summary of notarized agreements (deals) (part 6 of Article 15 of this statutory law of Ukraine “On consumer lending”).
The bank has the right, in the cases provided for by the agreement, to demand early repayment of the loan (full early repayment of the loan) and compensation for losses caused by the violation of obligations if the client fails to fulfill its obligations under the loan agreement.
The Bank is forbidden from needing the client to acquire any products or services through the bank or even a relevant individual as being a mandatory condition when it comes to supply of those solutions ( with the exception of the supply of the package of banking services).
The lender shall not need the best to amend the agreements concluded with clients unilaterally, unless otherwise supplied by the contract or even the legislation.
The customer gets the possibility to will not get marketing materials through remote interaction stations.
Warning about feasible effects for the customer in the event of utilizing the banking solution:
- 1. Penalty within the number of the dual discount price associated with nationwide Bank of Ukraine, in place throughout the period which is why the penalty is paid, however significantly more than 15% associated with quantity of belated re re payment
- 2. Penalty when you look at the number of the double discount price for the nationwide Bank of Ukraine in place throughout the duration which is why the penalty is compensated, yet not a lot more than 15% for the number of belated re payment
- 3. Penalty for breach by the debtor of this conditions for the use that is intended of loan – 25% of this quantity of funds employed for other purposes.
- 4. Penalty for:
- not enough an insurance that is compulsory when it comes to topic for the home loan;
- Failure to supply a package that is complete of and / or failure to close out the mandatory agreements are expected for the issuance of that loan;
- non-compliance aided by the conditions of agreements determined with all the bank (credit, home loan)
- acquiring loans off their banking institutions, supplying guarantees, moving home as security / mortgage without prior written approval through the bank;
- failure to inform the lender about alterations in individual information, contact information, host to residence, workplace, place along with other circumstances which could impact the satisfaction of responsibilities beneath the contract;
- failure to offer the lender with home elevators home status and earnings in the way and terms specified when you look at the loan contract;
- refusal to settle the mortgage early in the situations specified within the loan contract – 1% associated with level of the loan that is issued each breach.
- re Payment for expert appraisal of this home become pledged carried out by among the appraisal businesses approved by the financial institution
- Re re re Payment for acquiring of extract/extracts of State enroll of Movable Property Encumbrance
- re Payment for getting of data from State enroll of Proprietary Rights for Immovable Property
- Payment for notary solutions linked to summary and gratification of home loan contract
- Re Payment for state enrollment of home loan
- re re Payment for state registration of encumbrance of name into the immovable home (limitation of alienation of mortgaged property)
- re Payment for state enrollment of home loan termination
- Re re Payment for state enrollment of termination of encumbrance of name towards the property that is immovablelimitation of alienation of mortgaged home)
- Re re Payment for obtaining f extracts of mortgage / encumbrance registration
- re re Payment for acquiring of extracts of enrollment of home loan termination / payday loans online Dorset encumbrance termination;
- Insurance payment underneath the mortgaged home insurance coverage contract
- Payments pertaining to opening and upkeep of present account
To search for the loan, you should contact the socket associated with the bank with documents needed for loan obtaining.