Consumer loan secured by real estate

Lending conditions:

  • Loan amount from UAH 300,000. up to UAH 5,000,000. (50% of the value of the property)
  • Term - 120 months. (10 years)
  • Form of repayment: classic, annuity
  • Interest rate: 1st year fixed - 15.99%, then - floating interest rate UIRD 12 + 8%. The minimum value is 16%, the maximum is 35%
  • Loan fee 0.99%
  • Compulsory life insurance of the borrower, as well as the subject of the mortgage for the entire term of the loan

Requirements for the borrower:

  • Individual resident, citizen of Ukraine
  • Age from 22 to 70 years at the time of loan repayment
  • Stable income for the last 6 months (12 months for self-employed persons)

Software:

  • Residential real estate
  • Private house with a plot of land;
  • A guarantee, if the client is married to another spouse, or if the Borrower is under 25 years of age at the time of obtaining the loan - the guarantee of close relatives, in their absence, any third party, is required.

Valuation of property for the mortgage is carried out:

  • Independent appraiser

Penalties:

  • No proof of property insurance or no proof of life insurance - a penalty of 0.7% of the appraised value of the property or the balance of the loan, respectively

 

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