Mortgage loans

Mortgage loans for a term of up to 20 years.

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.
Calculation of loan payments

Loan amount:

Loan term:

60 month

Type of repayment
My monthly instalment will be:
1,407 UAH
Monthly payment
1,407 UAH
One-time commission fee
500 UAH

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.

Principal terms and conditions
Loan amount

up to 80 % of the market value of the mortgaged property established after the assessment (the minimum and maximum amount - not established)

Interest rate

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)

One-time fee charged by the Bank

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

Mortgage agreement must

be attested by a notary

How do I apply for a loan?

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.

Interest rate


  1. 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:

Other individuals

up to 50% (incl.)

11 12,5


11,5 13
  • 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

30/05/2022 the rate UIRD12m(UAH) was 7.87%.

Necessary documents

  • 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.

How do I repay my loan?

  • Visit a branch

    Select a branch and visit it at your convenience.

  • Pivdenny MyBank

    If you are a Pivdenny MyBank system user, complete the authorisation procedure and order services automatically.


Potential risks for the client in using consumer loans

Concluding and servicing a consumer loan agreement in accordance with a certain lending programme requires the borrower to pay for services of the bank and/or third parties. Read more in the Documents section

Risk of late fulfilment of obligations under the consumer loan agreement in case of poor understanding of the terms/documents before concluding the loan agreement and/or mortgage agreement (pledge, surety).

Risk of scams associated with unauthorised use of client identity documents/data.

In case the borrower violates the terms of the loan agreement, the borrower pays a penalty (fine, penalty).

In cases provided for in the loan agreement and/or mortgage agreement (pledge, surety), the bank is entitled: to demand early repayment of loan payments and compensation for damages inflicted on the bank in breach of obligation, to recover mortgaged housing, property rights to it or other immovable/movable property according to Ukrainian legislation, and in case of insufficient funds received from the sale in the mortgage (pledge) of property, to repay the claim under the consumer loan agreement, the client's personal property may be levied to repay the loan, to apply to court in accordance with the procedure specified in the Ukrainian legislation.

The bank is entitled to transfer information on indebtedness to the credit bureau/Credit Register of the National Bank of Ukraine, including negative credit history, which may be taken into account by the bank when making a decision on granting a loan in the future.

Currency risks: Purchase and sale of currency to fulfil obligations under the loan agreement is carried out at the initiative of the bank only upon contractual debiting of funds from the client’s accounts. When buying and selling foreign currency, the Bank applies the current market exchange rate on the date of buying and selling foreign currency, and the bank fee for buying/selling foreign currency for UAH is charged in accordance with the Pivdenny Bank tariffs. Read more

The bank is not allowed to require customers to purchase any goods or services from the bank or its affiliates or partners as a mandatory condition for the provision of these services (except for the banking package).

The bank has no right to unilaterally make changes to agreements concluded with customers, unless otherwise provided by the agreement or the law.

You may refuse to receive promotional materials by calling the Customer Support Centre (free of charge in Ukraine) at 0 800 30 70 30.

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