I’d like to inform you of Loan secured by property

I’d like to inform you of Loan secured by property

Loan terms:

The mortgage is provided for usage (tuition charges, repairs, travel, etc.)

The mortgage can guaranteed be flats, personal homes with land plots, land plots

Loan quantity range: from 200 000 to 2 000 000 UAH, although not significantly more than 50% of security value

  • 17% – for customers getting wages or earnings from entrepreneurial activities to a free account with CREDIT AGRICOLE BANK;
  • 18% – for any other customers.

One-time commission when issuing that loan

  • 1.2percent associated with the loan quantity – for customers 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: up to 7 years (inclusive)

Type of loan: non-cash transfer that is– of funds to the present account associated with the Borrower exposed aided by the Bank

Repayment scheme (during the discernment associated with Borrower):

  • equal monthly payments (annuity payment routine)
  • re payments that decrease on a monthly basis (standard payment schedule)

Insurance: mandatory insurance coverage associated with the pledged home at among the insurance firms authorized by the lender, at your preference

*Real yearly rate of interest: from 20,02per cent (determined based on the maximum loan term of 7 years, annuity routine for redemption).

The particular value of the actual yearly interest on that loan depends read the article on specific lending conditions (loan quantity, period, unique regards to the item, etc.

A loan can be obtained by you if:

You might be from 25 to 60 years of age

You’ve got permanent revenue stream and time record in your present workplace of at least one year.

Extra loan 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% associated with value that is appraised of.
  • life insurance coverage of this debtor – no

Early termination of this loan contract during the effort of this customer is achievable only with the total repayment that is early of loan and all payments given to by the contract.

the proper to end the mortgage contract within 14 calendar days through the date of its summary will not use, because the satisfaction of responsibilities underneath the loan contract is ensured because of the summary of notarized agreements (transactions) (component 6 of Article 15 associated with the statutory law 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 lender is forbidden from requiring the consumer to acquire any products or solutions through the bank or even a relevant individual as a mandatory condition when it comes to supply of the solutions ( aside from the supply of a package of banking services).

The financial institution shall not need the ability to amend the agreements concluded with clients unilaterally, unless otherwise supplied by the contract or the legislation.

The customer has got the possibility to refuse to get marketing materials through remote communication channels.

Warning about feasible effects for the customer in case there is utilizing the banking solution:

  • 1. Penalty within the level of the discount that is double regarding the nationwide Bank of Ukraine, in place through the duration which is why the penalty is compensated, yet not a lot more than 15% regarding the level of belated re payment
  • 2. Penalty within the number of the dual discount rate regarding the nationwide Bank of Ukraine in place throughout the duration which is why the penalty is compensated, not a lot more than 15% for the number of belated re payment
  • 3. Penalty for violation by the borrower of this conditions associated with intended utilization of the loan – 25% for the quantity of funds useful for other purposes.
  • 4. Penalty for:
  • not enough a compulsory insurance coverage agreement for the topic associated with the home loan;
  • Failure to give you a package that is complete of and / or failure to summarize the required agreements are expected for the issuance of that loan;
  • non-compliance because of the conditions of agreements concluded with all the bank (credit, home loan)
  • acquiring loans off their banking institutions, providing guarantees, moving home as security / mortgage without prior written approval through the bank;
  • failure to alert the lender about alterations in individual information, contact information, host to residence, workplace, place along with other circumstances that will impact the satisfaction of responsibilities underneath the Agreement;
  • failure to produce the lender with all about home status and earnings in the way and terms specified when you look at the loan contract;
  • refusal to settle the mortgage at the beginning of the cases specified into the loan contract – 1% for the quantity of the loan that is issued each violation.
  • re re Payment for expert appraisal for the home become pledged carried out by among the assessment businesses approved by the lender
  • Payment for getting of extract/extracts of State enroll of Movable Property Encumbrance
  • Payment for acquiring of data from State enroll of Proprietary Rights for Immovable Property
  • re Payment for notary solutions pertaining to summary and gratification of home loan contract
  • re re Payment for state enrollment of mortgage
  • Re re Payment for state enrollment of encumbrance of name towards the property that is immovablelimitation of alienation of mortgaged home)
  • Re re re Payment for state enrollment of home loan termination
  • Re Payment for state enrollment of termination of encumbrance of name towards the immovable home (restriction of alienation of mortgaged home)
  • Re re Payment for obtaining f extracts of mortgage / encumbrance registration
  • Re re re Payment for acquiring of extracts of enrollment of home loan termination / encumbrance termination;
  • Insurance payment underneath the mortgaged home insurance coverage contract
  • Payments pertaining to opening and upkeep of present account

To get the loan, you ought to contact the socket of this bank with papers needed for loan obtaining.

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