Program "Spogivchyiy credit" ("Consumer loan")

Advantages:

opportunity to obtain customer credit on any security (real estate, movable property, deposit property rights, etc);
long credit term – up to 3 years;
prolongation is possible;
individual repayment schedule is possible;
you choose insurance company (among those which have cooperation agreement with the bank).

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
- certificate of state registration;
- tax registration certificate;
- financial income certificate for last 6 months;
psychoneurologic dispensary certificate (of both spouses).

1.	Maximum credit term	Up to 3 (three) years
2.	Advance payment	to 60% of real estate value (if real estate secured); up to 90% of EXPOBANK deposit amount; to 60% of car value (if mobile property secured), but the market price of car must be more than 15000 USD in equivalent
3.	Currency	UAH
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	Credit term	UAH
		up to 3 (three) years	22%


6.	Commission	Сommission for cash settlement services (minus commission for consideration of loan request)		1,5% of credit amount; paid once while granting a loan.
		Commision for consideration of loan request		300 UAH; paid before granting a loan.

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.