Consumer loan secured by real estate in the primary market

Lending conditions::

  • Loan amount from UAH 300,000. up to UAH 10,000,000. (70% of the value of the property)
  • Term - 240 months. (20 years)
  • Form of repayment: classic, annuity
  • Interest rate: 1st year fixed - 17.99%, then - floating interest rate UIRD 12 + 9.8%. The minimum value is 18%, the maximum is 35%
  • Loan fee 1.99%
  • Compulsory life insurance of the borrower, as well as the subject of the mortgage (after putting the object into operation) 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:

  • Property rights
  • Residential real estate (after putting the object into operation)
  • 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 mortgage registration 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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