Loans
Pivdenny Bank is taking the documents offering unsecured loans (in cash or in the form of a credit limit on a payment card) for consumer purposes, as well as loans secured by real estate and other loans for consumers.
Advantages of loans from Pivdenny Bank:
Attractive bonuses
A payment card as a gift.
Scope
A wide range of credit programs.
Loans to sailors
Loan without collateral and without a down payment before setting out on your voyage
—from UAH 5,000 up to UAH 500,000;
— in cash or in cashless form, without extra costs;
— repayment of the principal starts from the 3rd month of use of the loan.
“Dreams” credit card
Let your dreams come true!
— up to 55 days of grace period for cashless card-based settlements for only 0.01 % per year;
— premium card with a built-in chip and contactless technology;
— revolving credit line;
— minimum package of documents required for the application.
Cash loan
Stress-free funds to meet personal needs
— from UAH 1,000 up to UAH 500,000;
— loan duration — from 12 up to 60 months;
— fixed interest rate;
— without collateral.
Mortgage loans
Mortgage loans for a term up to 20 years
— loan duration up to 20 years (minimum term - not set);
— opportunity to obtain a loan without a down payment;
— up to 80% of the market value of the mortgaged property;
— option to set an individual loan repayment schedule.
Consumer loan secured by real estate
Money to make your dreams come true
— get up to 50 % of the market value of the mortgaged property;
— for a term of up to 7 years (minimum term - not set);
— opportunity to obtain a loan without a down payment;
— option to set an individual repayment schedule.
Loans secured with a deposit
Up to 90 % of the banking deposit amount at an attractive interest rate
— cash for any purposes before maturity of the deposit;
— fixed interest rate;
— repayment of the principal at the end of the loan agreement;
— minimum package of documents.
Loan for refinancing purposes
Reduce your loan repayment costs
— reduction of loan servicing costs in other Ukrainian banks;
— loan amount — up to 50 % of the value of the mortgaged property, with a loan term of 7 years (minimum term - not set);
— opportunity to obtain a loan without a down payment.
How do I apply for a loan?
How do I repay my loan?
Pivdenny MyBank
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FAQ
Documents
Information on obtaining a consumer loan
Essential characteristics of the service for providing a consumer loan, information on the availability, list and cost of additional and/or related services of a financial institution, credit intermediaries and third parties, including the amount of payment and the basis for its calculation, taking into account the requirements of the legislation of Ukraine, see the calculator in the Documents section.
The Bank's web page, where the terms of the agreement are posted (including its public part, offers) and other standard agreements on the provision of consumer loans, internal rules for the provision of financial services by the Bank, is located here.
The page of the official Internet representation of the National Bank, on which the State Register of Financial Institutions is located, can be found here.
We recommend that the consumer immediately inform the Bank about unauthorized access or changes to the consumer’s information in the Bank’s remote service system.
The order and procedure for protecting personal data of consumers is located here.
The consumer has the right, after termination of the agreement for the provision of a consumer loan, including expiration, termination or execution of such an agreement, to contact the Bank with a request for information (certificate) regarding the fulfillment by the parties of their obligations established by the agreement, including information (certificate) about the absence debt and fulfillment of the consumer’s obligations under the agreement in full, which the Bank provides in the form of a paper or electronic document (at the consumer’s choice) within five business days from the date the financial institution receives such a request.
Information on the procedure for the Bank's consideration of consumer requests (complaints) regarding the consumer loan service is located here.
The possibility and conditions for early termination of the agreement on the provision of a consumer loan, as well as the method of such termination of the agreement, terms and conditions for the return of funds:
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 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.
Accredited insurance companies
Settlement of overdue debts
The information is provided in pursuance of the requirements of clause 26 of Section V of the Regulations on the requirements for the lender, new creditor, collection company and their activities when they settle overdue debts, approved by Resolution of the Board of the National Bank of Ukraine on July 9, 2021 No. 79.
The procedure for assigning the right of claim under a consumer loan agreement to a new lender
The assignment of the right of claim is carried out in the manner prescribed by Articles 512-519 of the Civil Code of Ukraine.
Conditions under which the Bank begins activities to settle overdue debts and assigns the right of claim under a consumer loan agreement to a new lender
Joint Stock Bank "Pivdenny" begins activities to settle overdue debts or may assign the rights of claim under a consumer loan agreement to a new lender in the event of failure or improper fulfillment by the client of its obligations under the loan agreement.
Procedure and method for repaying overdue debts
Until the debt is collected forcibly (in the manner prescribed by the Law of Ukraine “On Enforcement Proceedings”), the procedure and method for repaying overdue debt established by the loan agreement does not change. After the start of forced collection, the procedure and method for repaying overdue debts is carried out taking into account the Law of Ukraine “On Enforcement Proceedings” through interaction with the State or Private Enforcer.
Potential risks for the client in using consumer loans. Warning
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.
If the Borrower violates the Loan Agreement, the Borrower shall pay a penalty (fine) in accordance with relevant lending program.
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. Failure to comply with the obligation to repay a consumer loan can affect your credit history and complicate obtaining a consumer 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 prohibited from requiring the consumer to purchase any goods or services from the Bank or a related or associated person as a prerequisite for providing a consumer loan.
To make an informed decision about obtaining a consumer loan on the proposed terms, the consumer has the right to consider alternative types of consumer loans and financial institutions.
The Bank has the right to make changes to consumer loan agreements concluded with consumers only with the consent of the parties.
You may refuse to receive promotional materials by calling the Customer Support Centre (free of charge in Ukraine) at 0 800 30 70 30 or through remote electronic service channels.
Possible expenses for payments by the consumer for using a consumer loan depend on the payment method chosen by the consumer.
The consumer's initiation of an extension (longation, prolongation) of the repayment period of a consumer loan (deadline for fulfilling a monetary obligation) / loan term / validity period of a consumer loan agreement is carried out without changes.