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Allow me to inform you of Loan secured by property

Loan terms:

The mortgage is awarded for usage (tuition costs, 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, not significantly more than 50% of security value

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

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 loan quantity – when it comes to basic range of customers.

Loan term: as much as 7 years (inclusive)

Type of loan: non-cash – transfer of loan funds to the present account associated with Borrower exposed because of the Bank

Payment scheme (during the discernment associated with Borrower):

  • equal monthly payments (annuity payment 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 Devon payday loans laws authorized by the lender, at your option

*Real yearly interest: from 20,02per cent (determined in line with the optimum loan term of 7 years, annuity routine for redemption).

The specific worth of the true interest that is annual on that loan is determined by specific lending conditions (loan quantity, duration, unique regards to the item, etc.

You are able to get financing if:

You may be from 25 to 60 years of age

You have got permanent revenue stream and time record in your workplace that is current of minimum 12 months.

Additional 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 of this topic of home loan (for per year) – 0.3% for the value that is appraised of.
  • term life insurance associated with the borrower – no

Early termination of this loan contract in the effort associated with client can be done just with the total repayment that is early of loan and all payments given to by the contract.

The best to end the mortgage agreement within 14 calendar times through the date of their summary will not use, because the fulfillment of responsibilities underneath the loan contract is ensured by the summary of notarized agreements (deals) (component 6 of Article 15 associated with the legislation of Ukraine “On consumer financing”).

In the event that customer does not satisfy its responsibilities beneath the loan contract, the lender has got the right, within the cases given to by the contract, to need very early repayment for the loan (complete very early payment of this loan) and settlement for losings due to the violation of responsibilities.

The lender is forbidden from needing the consumer to shop for any items or solutions through the bank or even an associated individual as being a mandatory condition for the supply of the solutions ( with the exception of the supply of a package of banking services).

The lender shall not need the best to amend the agreements concluded with clients unilaterally, unless otherwise given by the contract or even the legislation.

The opportunity is had by the client to will not get marketing materials through remote communication stations.

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

  • 1. Penalty into the level of the discount that is double for the nationwide Bank of Ukraine, in place throughout the duration which is why the penalty is compensated, not significantly more than 15% associated with number of belated re payment
  • 2. Penalty into the number of the discount that is double for the National Bank of Ukraine in place throughout the duration which is why the penalty is compensated, not significantly more than 15% regarding the quantity of belated re re re payment
  • 3. Penalty for breach because of the debtor regarding the conditions associated with the intended utilization of the loan – 25% of this number of funds useful for other purposes.
  • 4. Penalty for:
  • not enough a compulsory insurance coverage agreement for the topic of this mortgage;
  • Failure to deliver an entire package of documents and / or failure to close out the required agreements are needed for the issuance of a loan;
  • non-compliance because of the conditions of agreements determined with all the bank (credit, home loan)
  • getting 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 data, email address, host to residence, workplace, position as well as other circumstances that will influence the satisfaction of responsibilities beneath the Agreement;
  • failure to provide the bank with information on property income and status in the way and terms specified into the loan contract;
  • refusal to settle the mortgage at the beginning of the instances specified within the loan contract – 1% associated with the quantity of the loan that is issued each breach.
  • Re re Payment for expert assessment for the property become pledged carried out by one of many assessment organizations authorized by the financial institution
  • Re re Payment for acquiring of extract/extracts of State enroll of Movable Property Encumbrance
  • re Payment for obtaining of data from State enter of Proprietary Rights for Immovable Property
  • re re Payment for notary solutions regarding summary and gratification of mortgage contract
  • re Payment for state enrollment of home loan
  • Re Payment for state enrollment of encumbrance of name to your property that is immovablelimitation of alienation of mortgaged home)
  • Re re Payment for state enrollment of home loan termination
  • re Payment for state enrollment of termination of encumbrance of title towards the immovable home (limitation 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 associated with maintenance and opening of current account

To get the loan, you need to contact the socket regarding the bank with papers necessary for loan obtaining.