I’d like to inform you of Loan secured by real-estate
The mortgage is provided for usage (tuition charges, repairs, travel, etc.)
The mortgage can guaranteed be flats, private homes with land plots, land plots
Loan amount range: from 200 000 to 2 000 000 UAH, although not significantly more than 50% of security value
- 17% – for consumers wages that are receiving earnings from entrepreneurial tasks to a merchant account with CREDIT AGRICOLE BANK;
- 18% – for any other clients.
One-time commission when issuing that loan
- 1.2percent of this loan quantity – for consumers wages that are receiving earnings from entrepreneurial tasks to a free account with CREDIT AGRICOLE;
- 2.5% associated with the loan quantity – when it comes to list that is general of.
Loan term: as much as 7 years (inclusive)
Kind of loan: non-cash transfer that isâ€“ of funds to the present account associated with Borrower launched using the Bank
Repayment scheme (during the discernment associated with the Borrower):
- equal equal payments (annuity repayment routine)
- re re payments that decrease on a monthly basis (standard payment schedule)
Insurance: mandatory insurance coverage associated with the pledged property at one of many insurance firms approved by the lender, at your option
*Real yearly rate of interest: from 20,02per cent (determined based on the maximum loan term of 7 years, annuity routine for redemption).
The specific value of the actual yearly rate of interest on financing 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 have got permanent income source and time record in your present workplace of at minimum year.
Additional loan re re re payments:
- notary solutions, one-time (average price UAH 10,000)
- solutions of a appraiser, one-time (average cost 2000 UAH)
- insurance coverage associated with the topic of home loan (for per year) – 0.3% of this value that is appraised of.
- life insurance policies regarding the borrower – no
Early termination of this loan contract during the effort associated with client can be done just with the total very early payment associated with the loan and all payments given to by the contract.
The ability to terminate the mortgage agreement within 14 calendar times through the date of its summary does not use, considering that the satisfaction of responsibilities underneath the loan contract is guaranteed because of the summary of notarized agreements (deals) (component 6 of Article 15 associated with the legislation of Ukraine “On consumer financing”).
The bank has the right, in the cases provided for by the agreement, to demand early repayment of the loan (full early repayment of the loan) and compensation for losses caused by the violation of obligations if the client fails to fulfill its obligations under the loan agreement.
The financial institution is forbidden from needing the client to acquire any items or solutions through the bank or perhaps a relevant individual as being a mandatory condition when it comes to supply among these solutions ( aside from the provision of the package of banking services).
The Bank shall not need the ability to amend the agreements concluded with clients unilaterally, unless otherwise supplied by the contract or even the legislation.
The customer has got the possibility to will not receive marketing materials through remote interaction stations.
Warning about feasible effects for your client in the event of utilizing the banking solution:
- 1. Penalty within the number of the dual discount price regarding the nationwide Bank of Ukraine, in place throughout the duration which is why the penalty is compensated, not a lot more than 15% associated with number of late re re payment
- 2. Penalty when you look at the amount of the dual discount price of this National Bank of Ukraine in place through the duration which is why the penalty is compensated, yet not more than 15% for the number of belated re re payment
- 3. Penalty for breach because of the debtor associated with conditions for the use that is intended of loan – 25% associated with level of funds employed for other purposes.
- 4. Penalty for:
- not enough an insurance that is compulsory when it comes to topic associated with home loan;
- Failure to give a total package of documents and / or failure to close out the required agreements are expected for the issuance of that loan;
- non-compliance because of the provisions of agreements determined with the bank (credit, home loan)
- acquiring loans from other finance institutions, supplying guarantees, moving home as security / mortgage without prior written approval through the bank;
- failure to inform the financial institution about alterations in personal information, contact information, host to residence, office, place along with other circumstances that will impact the satisfaction of obligations beneath the contract;
- 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 early in the instances specified into the loan contract – 1% associated with level of the issued loan for each violation.
- Re re Payment for expert assessment for the home become pledged carried out by one of many assessment organizations authorized by the lender
- re Payment for acquiring of extract/extracts of State join of Movable Property Encumbrance
- Payment for acquiring of data from State enter of Proprietary Rights for Immovable Property
- re Payment for notary solutions associated with performance and conclusion of home loan contract
- re re Payment for state enrollment of home loan
- re Payment for state enrollment of encumbrance of name towards the property that is immovablelimitation of alienation of mortgaged home)
- Re re Payment for state enrollment of home loan termination
- Re re Payment for state enrollment of termination of encumbrance of name towards the property that is immovablelimitation of alienation of mortgaged home)
- Re re Payment for obtaining f extracts of mortgage / encumbrance registration
- re re Payment for acquiring of extracts of registration of mortgage termination / encumbrance termination;
- Insurance payment beneath the mortgaged home insurance coverage contract
- Re Payments associated with maintenance and opening of present account
To get the loan, you need to contact the socket regarding the bank with papers needed for loan obtaining.