Main parameters
Amount
From UAH 250,000 to UAH 7,000,000 (or foreign currency equivalent at the NBU exchange rate)
Currency
UAH, USD, EUR
Loans in foreign currency are granted to customers with revenue obtained in foreign currency and/or income linked to foreign currency
Term
From 12 to 60 months
Interest rate
The type and size of interest rate is determined by the decision of the Bank's Credit Committee
Repayment schedule
Loan (principal) - at the Borrower's convenience, as agreed by the Bank:
- monthly
- on a fixed schedule
Interest - monthly
Commission
For the provision (initiation) of the Loan/Credit Line/Tranche - one-time, 1% of the loan amount (excluding VAT)
For loan administration - monthly, 1% of the initially established loan amount (excluding VAT)
Collateral
Loans are only provided secured by a mortgage on real estate in a satisfactory technical condition and mainly located in Kyiv and Kyiv region.
In particular:
- Industrial or commercial real estate (office, retail premises, warehouse facilities, etc.) located on a land plot with the appropriate designated purpose for the placement of such real estate and owned by the mortgagor on the right of ownership or use/lease;
- Land plots (except for agricultural land);
- Residential property.
Advantages
- Different financing options;
- Possibility to obtain credit lines;
- Fixed interest rate;
- Collateral secured by a mortgage;
- Flexible collateral requirements;
- Fast decision-making;
- Individual approach to each client, based on his/her needs and business profile.
Purpose of use
Acquisition of fixed assets:
- acquisition of buildings and structures for industrial or commercial purposes;
- acquisition of land (except for agricultural land);
- placement in operation, modernisation, extension of production, reconstruction and renovation of fixed assets;
- purchase of equipment, furniture and/or other fixed assets.
Purchase of agricultural machinery, automobiles, and other vehicles;
Replenishment of working capital;
Purchase of construction materials and construction works;
Insurance of the object of financing in the amount of the insurance premium for the first year of lending.
*Annexes or additional agreements to the Loan Agreement may provide for the purpose of the loan or additional restrictions on the use of credit funds.
