The mortgage is given for usage (tuition charges, repairs, travel, etc.)
The mortgage can guaranteed be flats, personal homes with land plots, land plots
Loan quantity range: from 200 000 to 2 000 000 UAH, however significantly more than 50% of security value
- 17% – for consumers getting wages or earnings from entrepreneurial tasks to a merchant account with CREDIT AGRICOLE BANK;
- 18% – for other customers.
One-time commission when issuing that loan
- 1.2percent regarding the loan quantity – for consumers wages that are receiving earnings from entrepreneurial tasks to a merchant account with CREDIT AGRICOLE;
- 2.5% associated with the loan quantity – for the 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 present account regarding the Borrower exposed using the Bank
Payment scheme (during the discernment for the Borrower):
- equal monthly payments (annuity payment routine)
- re re payments that decrease on a monthly basis (standard payment schedule)
Insurance: mandatory insurance coverage regarding the pledged home at one of many insurance vendors authorized by the financial institution, at your decision
*Real yearly rate of interest: from 20,02per cent (determined in line with the optimum loan term of 7 years, annuity routine for redemption).
The particular value of the actual yearly rate of interest on that loan depends on specific financing conditions (loan quantity, duration, unique regards to this product, etc.
A loan can be obtained by you if:
You might be from 25 to 60 yrs . old
You have got permanent revenue stream and time record in your current workplace of at minimum year.
Extra loan re payments:
- notary solutions, one-time (average price UAH 10,000)
- solutions of a appraiser, one-time (average cost 2000 UAH)
- insurance associated with the topic of home loan (for per year) – 0.3% associated with the value that is appraised of.
- life insurance coverage associated with the debtor – no
Early termination for the loan contract during the effort of this client can be done just with the entire very early payment for the loan and all payments given to by the agreement.
the proper to end the mortgage contract within 14 calendar times through the date of the summary will not apply, considering that the fulfillment of obligations underneath the loan contract is guaranteed because of the summary of notarized agreements (deals) (component 6 of Article 15 associated with the statutory law of Ukraine “On consumer financing”).
In the event that client does not satisfy its responsibilities under the loan contract, the lender has got the right, into the cases given to by the contract, to need very early payment associated with loan (complete very early payment of this loan) and payment for losses brought on by the breach of responsibilities.
The financial institution is forbidden from needing the consumer to get any products or services through the bank or an associated individual being a mandatory condition for the supply of the solutions ( with the exception of the supply of the package of banking services).
The lender shall n’t have the ability to amend the agreements concluded with clients unilaterally, unless otherwise supplied by the contract or perhaps the legislation.
The customer has got the possibility to will not get marketing materials through remote communication networks.
Warning about feasible effects for the customer in the event of making use of the banking service:
- 1. Penalty into the level of the dual discount price associated with the nationwide Bank of Ukraine, in place throughout the duration which is why the penalty is compensated, yet not more than 15% regarding the number of late re re re payment
- 2. Penalty within the quantity of the dual discount price for the nationwide Bank of Ukraine in place through the duration which is why the penalty is compensated, yet not a lot more than 15% regarding the number of belated re re payment
- 3. Penalty for violation by the debtor of this conditions associated with the intended utilization of the loan – 25% associated with quantity of funds useful for other purposes.
- 4. Penalty for:
- not enough a compulsory insurance coverage agreement when it comes to topic of this home loan;
- Failure to give you a package that is complete of and / or failure to close out the required agreements are needed when it comes to issuance of that loan;
- non-compliance using the conditions of agreements determined with all the bank (credit, home loan)
- acquiring loans off their finance 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 that will impact the satisfaction of responsibilities beneath the contract;
- failure to provide the bank with information on property income and status in the way and terms specified into the loan contract;
- refusal to settle the mortgage early in the situations specified within the loan contract – 1% regarding the quantity of the issued loan for each breach.
- re re Payment for expert assessment of this home become pledged carried out by one of several appraisal organizations authorized by the lender
- Re Payment for getting of extract/extracts of State join of Movable Property Encumbrance
- Payment for getting of data from State enroll of Proprietary Rights for Immovable Property
- Payment for notary solutions pertaining to summary and gratification of home loan contract
- Re re re Payment for state enrollment of home loan
- Payment for state enrollment of encumbrance of title into the immovable home (limitation of alienation of mortgaged home)
- Payment for state enrollment of home loan termination
- re Payment for state registration of termination of encumbrance of title towards the property that is immovablerestriction of alienation of mortgaged home)
- re Payment for obtaining f extracts of mortgage / encumbrance registration
- Payment for acquiring of extracts of enrollment of home loan termination / encumbrance termination;
- Insurance payment underneath the mortgaged home insurance coverage contract
- Payments pertaining to maintenance and opening of current account
To search for the loan, you need to contact the socket associated with bank with papers necessary for loan obtaining.