Advantages of the loan
- loan period — up to 20 years (minimum term - not set);
- opportunity to obtain a loan without a down payment with additional collateral;
- optional individual repayment schedule.
Repayment of the principal starts from the 2nd month. This approximate amount represents the maximum sum excluding the service’s costs of 3rd parties in the Loan Calculator located in the Documents section.
up to 80 % of the market value of the mortgaged property established after the assessment (the minimum and maximum amount - not established)
variable from 10.5 % to 13% per year 1st year, depending on the goal, borrower's category and ratio to the market value of the mortgaged property from 2nd year - UIRD12M(UAH) + 4% or UIRD12M(UAH) + 4,5% (real interest rate, specific terms and conditions may be reviewed – in the Documents module)
1 % of the loan amount
appraisals, borrower life and health insurance, and insurance for the mortgaged property must be purchased from companies accredited by the bank
be attested by a notary
Specific features of the loan
This offer is granted within the scope of the "Pivdenny’s dream" lending programme.
Borrower’s age — from 21 years. Maximum borrower’s age on full repayment of the loan – 65 years.
Loans are issued for the purchase of property puted into operation (including apartments, homes and plots) - for the borrower’s personal needs not related directly to business activity with the mortgage of the real estate to be acquired.
The Borrower has the right to repay the consumer loan in full or in part at any time, including by increasing the amount of periodic payments, without any additional fee associated with early repayment. In the event of early repayment of a consumer loan, the borrower pays the lender interest on the loan and the cost of all services related to servicing and repayment of the loan for the period of actual use of the loan.
The Client has the right to withdraw from a particular Application Service Provision Agreement (if required by applicable legislation of Ukraine) and terminate this Agreement and close accounts on the basis of a written application (except when early closure/refusal/termination of the agreement is prohibited by law), provided that there are no outstanding debts or valid Application-Agreements/Agreements at the Bank, and all PCs have been returned at the request of the Bank, including those issued to the Client's proxies. This Agreement is considered terminated on the day of account closure and full fulfilment of obligations under this Agreement.
The Borrower has the right within 14 (Fourteen) calendar days from the date of conclusion of the Loan Agreement to withdraw from the Loan Agreement for any reason or no reason on the basis of a written application in the manner prescribed by Art. 15 of the Law of Ukraine on Consumer Lending.
The Borrower does not have the right to withdraw from the Loan Agreement if:
- fulfilment of obligations under the Loan Agreement is ensured by notarized agreements (transactions);
- at the time of the Borrower's withdrawal from the Loan Agreement, the purchase of works (services) provided for by the Loan Agreement has already taken place.
- for loans to purchase real estate with a total area up to 90 square meters, located in the cities: Kyiv, Dnipro, Lviv, Odessa, Kharkiv, mortgaged
- first year
|Own payment (%)||
Rate,% per annum
up to 50% (incl.)
- from the second year: UIRD12M(UAH) + 4%,
The minimum rate can be 4% per year, the maximum - 30% per year.
2. for loans for the purchase of real estate located in other settlements, or a total area over 90 square meters, located in the cities: Kyiv, Dnipro, Lviv, Odessa, Kharkiv, mortgaged
- first year
|Own payment (%)||
Rate,% per annum: Clients who receive income from the Bank and belong to the following categories:
Employee, Sailor, Premium
Rate,% per annum:
up to 50% (incl.)
- from the second year: UIRD12M(UAH) + 4,5%,
The minimum rate can be 4.5% per year, the maximum - 30% per year.
UIRD12M(UAH) - Ukrainian index of retail deposits of individuals in the national currency.
Індекс UIRD12M – Ukrainian index of retail deposits of individuals (Ukrainian Index of Retail Deposit Rates, abbreviated – UIRD) – indicative rate calculated in the system Thomson Reuters and a methodology developed jointly with the National Bank of Ukraine, based on nominal rates of the retail deposit market for a period of 12 months in the loan currency on the date of the rate revision, where:
Bid Review Date = Bid Change Date - 20 calendar days.
Data on the value of the UIRD index are publicly available on the Internet on the official website of the National Bank of Ukraine https://bank.gov.ua
30/05/2022 the rate UIRD12m(UAH) was 7.87%.
- Ukrainian passport (passport of the borrower/ spouse/ family member);
- taxpayer ID number (ID number of the borrower/ spouse/ family member);
- marriage/divorce certificate (if any);
- documents proving receipt of income (by the borrower/ spouse/ family member);
- collateral documents.
IMPORTANT! Mortgages will be granted exclusively for residential properties for which there are no registered residents. Upon applying for a mortgage, please inform the bank of any individuals still registered as residing at the property as well as any need to de-register such individuals in order to be eligible to receive a mortgage.
Upon acceptance of your application by the bank's collegial body, when signing the mortgage agreement, the respective borrower must provide a certificate attesting to the absence of any registered individuals as well as a certificate of registration of underage and minor owners (where applicable) of the residential property with a parent (guardian) at an address other than that of the mortgaged property.
Refer to the Documents section to review a more detailed list of the documents.