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I want to let you know about Loan secured by property

Loan terms:

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

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

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

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

One-time commission when issuing financing

  • 1.2percent associated with the loan quantity — for consumers wages that are receiving earnings from entrepreneurial tasks to a merchant account with CREDIT AGRICOLE;
  • 2.5% regarding the loan quantity — when it comes to list that is general of.

Loan term: as much as 7 years (inclusive)

As a type of loan: non-cash – transfer of loan funds to the present account for the Borrower launched utilizing the Bank

Payment scheme (in the discernment regarding the Borrower):

  • equal installments that are monthlyannuity payment routine)
  • re payments that decrease on a monthly basis (standard repayment schedule)

Insurance: mandatory insurance coverage regarding the pledged home at one of many insurance providers 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 yearly rate of interest on that loan is determined by specific financing conditions (loan quantity, duration, unique regards to this product, etc.

A loan can be obtained by you if:

You might be from 25 to 60 yrs . old

You’ve got permanent income source and time record in your present workplace of at minimum year.

Extra loan re payments:

  • notary services, one-time (average price UAH 10,000)
  • solutions of a appraiser, one-time (average cost 2000 UAH)
  • insurance coverage for the topic of home loan (for per year) — 0.3% associated with appraised value of housing.
  • life insurance coverage regarding the borrower — no

Early termination regarding the loan agreement during the effort for the customer can be done just with the entire very early repayment associated with the loan and all payments given to by the contract.

The best to end the loan agreement within 14 calendar times through the date of the summary will not use, considering that the satisfaction of responsibilities beneath the loan contract is guaranteed because of the conclusion of notarized agreements (deals) (component 6 of Article 15 associated with the statutory law of Ukraine «On consumer financing»).

In the event that customer does not meet its responsibilities underneath the loan contract, the financial institution has the right, into the situations given to by the contract, to need very early payment of this loan (complete very early repayment of this loan) and payment for losings due to the breach of responsibilities.

The financial institution is forbidden from needing the client to get any items or solutions through the bank or perhaps a relevant individual being a mandatory condition for the supply among these solutions ( with the exception of the supply of the package of banking services).

The financial institution shall n’t have the ability 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 interaction networks.

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

  • 1. Penalty within 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 a lot more than 15% regarding the level of belated payment
  • 2. Penalty within the level of the dual discount price associated with the nationwide Bank of Ukraine in place throughout the duration which is why the penalty is paid, not significantly more than 15% of this number of belated re re payment
  • 3. Penalty for breach because of the debtor regarding the conditions of this use that is intended of loan — 25% regarding the quantity of funds employed for other purposes.
  • 4. Penalty for:
  • lack of a compulsory insurance coverage agreement when it comes to topic associated with the home loan;
  • Failure to present a total package of documents and / or failure to summarize the mandatory agreements are needed for the issuance of that loan;
  • non-compliance aided by 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 financial institution about alterations in individual information, contact information, host to residence, workplace, place along with other circumstances which will impact the satisfaction of responsibilities beneath the contract;
  • failure to give the financial institution with info on home status and income in the way and terms specified within the loan contract;
  • refusal to settle the mortgage early in the instances specified into the loan contract — 1% associated with the number of the issued loan for each breach.

  • Re re Payment for expert assessment of this home become pledged carried out by among the assessment organizations authorized by the lender
  • Re Payment for acquiring of extract/extracts of State join of Movable Property Encumbrance
  • Re re Payment for acquiring of information from State join of Proprietary Rights for Immovable Property
  • re re Payment for notary solutions associated with performance and conclusion of mortgage contract
  • Re Payment for state enrollment of home loan
  • Re Payment for state registration of encumbrance of title to your property that is immovablelimitation of alienation of mortgaged home)
  • re Payment for state enrollment of home loan termination
  • Payment for state enrollment of termination of encumbrance of name to your property that is immovablelimitation of alienation of mortgaged home)
  • re Payment for obtaining f extracts of mortgage / encumbrance registration
  • Payment for getting of extracts of enrollment of home loan termination / encumbrance termination;
  • Insurance payment underneath the mortgaged home insurance agreement
  • Re Payments associated with maintenance and opening of current account

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

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