Program "Deposit-Credit" ("Deposit secured loan")

Advantages:

application form;
passport (of both spouses);
marital certificate;
tax identification number (of both spouses);
work certificates (specifying financial income for last 6 month) of both spouses

1.	Maximum credit term	Not more than deposit term
2.	Credit amount	Up to 90% of deposit amount - if the currency of deposit is UAH; individually - if the currency of deposit is not UAH.
3.	Currency	loan - UAH; deposit - UAH/USD/EUR.
4.	Credit repayment	Interest and principle amount are paid: monthly annuity payments; standard recourse payments (equal payments of principle amount per month or per quarter; debt balance interest – per month); according to individual repayment schedule
5.	Interest rate	+ 4% of deposit interest rate - if the currency of deposit is UAH; individually - if the currency of deposit is not UAH.
6.	Commission	Сommission for cash settlement services	0.5% of credit amount (including 300 hrn as a commission for consideration of credit request); Paid once while granting a credit

For any further information contact us at (044) 501-24-07

Which documents are required for granting a credit?
The required documents depend on credit security but obligatory include: passport, tax identification number, work certificate specifying financial income for last 6 months. More detailed information can be found in credit program description.
Which is the maximum credit term?
The maximum credit term depends on the crediting program and on the type of credit and is as follows: 10 years for real estate crediting, 5 years for motor-vehicle transport crediting, 3 years - for consumers purposes by mortgage or movable property charge.
Is prepayment of credit in large sums possible? Will any penal sanctions be applied in case of prepayment?
Our Bank doesn’t apply any penal sanctions in case of prepayment.
Are there any extra charges – fees, commissions, etc – except for standard interest rate?
Except for standard interest rate the borrowing cost includes single commission.
Which credit repayment profiles exist?
Our bank offers two basic repayment profiles: standard (when the principle sum is equally split) and amortization (equal payments during the payment term). Repayment may de performed at any branch of our Bank.
Is payment deferment possible (by paying only the interest and after that the whole credit)?
Our bank is ready to cooperate with borrower and consider the possibility of individual repayment profile.