Allow me to let you know about Loan secured by property
The mortgage is provided for consumption (tuition costs, repairs, travel, etc.)
The mortgage can guaranteed be flats, personal houses with land plots, land plots
Loan amount range: from 200 000 to 2 000 000 UAH, not a lot more than 50% of collateral value
- 17% – for consumers wages that are receiving earnings from entrepreneurial tasks to a merchant account with CREDIT AGRICOLE BANK;
- 18% – for any other customers.
One-time commission when issuing that loan
- 1.2percent for the loan amount – for customers wages that are receiving earnings from entrepreneurial tasks to a merchant account with CREDIT AGRICOLE;
- 2.5% of this loan quantity – when it comes to general listing of customers.
Loan term: as much as 7 years (inclusive)
As a type of loan: non-cash transfer that isâ€“ of funds to the present account associated with Borrower exposed aided by the Bank
Payment scheme (during the discernment of this Borrower):
- equal equal payments (annuity payment routine)
- re payments that decrease each month (standard payment schedule)
Insurance: mandatory insurance coverage of this pledged home at one of several insurance firms authorized by the lender, at your preference
*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 worth of the true interest that is annual 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 may be from 25 to 60 yrs . old
You’ve got permanent income source and time record in your present workplace of at minimum one year.
Extra loan re re payments:
- notary solutions, one-time (average price UAH 10,000)
- solutions of an appraiser, one-time (average cost 2000 UAH)
- insurance coverage regarding the topic of home loan (for per year) – 0.3% regarding the appraised worth of housing.
- life insurance coverage regarding the debtor – no
Early termination regarding the loan contract during the effort of this customer is achievable just with the entire early repayment for the loan and all payments given to by the contract.
The best to end the mortgage contract within 14 calendar times through the date of its summary doesn’t use, considering that the satisfaction of responsibilities underneath the loan agreement is guaranteed because of the conclusion of notarized agreements (deals) (component 6 of Article 15 regarding the statutory law of Ukraine “On consumer financing”).
In the event that customer doesn’t satisfy its responsibilities beneath the loan contract, the lender has got the right, into the situations given to by the contract, to need very early payment for the loan (complete very early repayment of this loan) and payment for losings brought on by the breach of responsibilities.
The financial institution is prohibited from needing the consumer to acquire any products or solutions through the bank or perhaps a relevant individual being a mandatory condition for the supply of those services ( aside from the supply of the package of banking services).
The financial institution shall not need the ability to amend the agreements concluded with clients unilaterally, unless otherwise given by the contract or the legislation.
The opportunity is had by the client to will not get marketing materials through remote interaction stations.
Warning about feasible consequences for your client in the event of with the banking solution:
- 1. Penalty into the level of the discount that is double for the nationwide Bank of Ukraine, in place through the duration which is why the penalty is compensated, not a lot more than 15% of this quantity of belated re re payment
- 2. Penalty within the level of the discount that is double associated with nationwide Bank of Ukraine in place throughout the duration which is why the penalty is compensated, not significantly more than 15% associated with the quantity of late re re payment
- 3. Penalty for breach by the debtor regarding the conditions for the intended utilization of the loan – 25% associated with the level of funds utilized for other purposes.
- 4. Penalty for:
- not enough a compulsory insurance coverage agreement for the topic of this home loan;
- Failure to give an entire package of documents and / or failure to close out the required agreements are expected when it comes to issuance of that loan;
- non-compliance aided by 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 as well as other circumstances that will impact the satisfaction of responsibilities underneath the Agreement;
- failure to provide the bank with information on property income and status in the way in which and terms specified into the loan contract;
- refusal to settle the mortgage at the beginning of the situations specified when you look at the loan contract – 1% associated with level of the loan that is issued each breach.
- Re Payment for expert assessment of this home become pledged carried out by one of many appraisal businesses authorized by the lender
- Re re Payment for acquiring of extract/extracts of State join of Movable Property Encumbrance
- re re Payment for getting of data from State enter of Proprietary Rights for Immovable Property
- Re re Payment for notary solutions associated with summary and gratification of home loan contract
- re Payment for state registration of home loan
- Re re Payment for state enrollment of encumbrance of name towards the property that is immovablelimitation of alienation of mortgaged property)
- Re re Payment for state enrollment of home loan termination
- re Payment for state enrollment of termination of encumbrance of name into the property that is immovablelimitation of alienation of mortgaged home)
- re Payment for obtaining f extracts of mortgage / encumbrance registration
- re Payment for getting of extracts of enrollment of home loan termination / encumbrance termination;
- Insurance payment beneath the mortgaged home insurance coverage contract
- Re Payments associated with opening and upkeep of present account
To obtain the loan, you need to contact the socket of this bank with papers necessary for loan obtaining.