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YOUR LIFE SPACE Your family is growing and the flat is getting too confined, right? Is your residence environment comfortable enough for you? There is no use in waiting for several years to accumulate enough money for a purchase of a new flat. You may receive a residence loan and house-warm right now.
INVEST MONEY IN YOUR OWN RESIDENCE RATHER THAN IN SOMEONE'S ELSE Monthly payments under a residence loan are frequently comparable with the rent of a similar residence. However, there is a substantial difference: if you rent a flat, you will never become the owner of such flat. Meanwhile, when you repay a residence loan, you are the owner of such flat, and the principal amount owed by you to the Bank is getting smaller gradually until the repayment of the loan in full.
- You do not need to pledge any property, since the purchased home-room shall be pledged in such case.
- A loan shall be redeemed in monthly instalments.
- Redeeming a pledge, every month you will pay less since the principal amount is getting smaller hence less interest is accrued.
- A house-room bought on tick shall be insured against a damage, e.g. against a fire.
WHY KREDITPROMBANK?
- You may receive a loan for a period of up to twenty five years in Kreditprombank.
- A loan shall be executed within five days upon making an application to Kreditprombank.
- You may redeem a loan in advance and thus reduce the expenses on payment of interest.
- You may pay for residence insurance also on account of money borrowed from Kreditprombank.
- A minimum document package is required in order to receive a loan in Kreditprombank.
TERMS OF LENDING:
- Up to 33 years inclusive - for purchase of residential property;
- Up to 15 years inclusive - for purchase of non-residential (householding and commercial property);
- Up to 10 years inclusive - for consumer needs
ADVANCED PAYMENT
Regions of Ukraine | (Advanced equivalent USD) |
residential | Non residential | residential | Non residential | residential | Non residential |
20% | 25% | 30% | 30% | 35% | 35% |
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Kiev
Brovary
Borispol
Vyshgorod Vishnevoye | Up to 200 thousand USD included | From 200 thousand USD up to 500 thousand USD included | from
500 thousand USD |
Odessa
Yalta | Up to 100 thousand USD included | From 100 thousand USD up to 300 thousand USD included | from
300 thousand USD |
Dnepropetrovsk
Donetsk
Kharkov
Lvov
Evpatoriya
Alushta
Uzgorod | Up to 80 thousand USD included | From 80 thousand USD up to
200 thousand USD included | from
200 thousand USD |
Vinnitsa Chernovtsy Khmelnitsky Lugansk
Zhaporozhie Lytsk
Kherson
Simpheropol ã. Ternopol
Ivano-Frankovsk
Mariypol Zhytomir
Rovno
Kremenchyg
Poltava
Sumy
Makeevka
Truskavetsk Nikolaev
Chrnigov Cherkassy
Belaya Tserkov | Up to 70 thousand USD included | from 70 thousand USD up to 150 thousand USD included | from
150 thousand USD |
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 | 30% | 25% | 35% | 35% | 35% | 35% |
| Other regions | up to 40 thousand USD included | from 40 thousand USD up to 80 thousand USD included | from
80 thousand USD |
For non-residential estate purchasing an advanced payment - 35%, not depending on price and the region.
The amount of the advanced payment is reducing depending on insurance of the financial risks of providing into mortgage an additional pledge.
Advanced repayment– without penalties and additional fees.
INTEREST RATES
Loans in the foreign currency | Up to 5years | Up to 15years | Up to 33 years |
USD | EUR | USD | EUR | USD | EUR |
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| - residential estate purchasing | 20,30 | 15,00 | 20,00 | 15,00 | 20,00 | 15,00 |
| - non residential estate purchasing | 20,30 | 15,30 | 20,30 | 15,30 | - | - |
| - commercial estate purchasing | 20,80 | 15,80 | 20,80 | 15,80 | - | - |
| - loan disbursement fee | 1,00 | 1,00 | 1,00 | 1,00 | 1,00 | 1,00 |
Loans in the national currency of Ukraine | Up to 5 years | Up to 15 years | Up to 33 years |
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| - residential estate purchasing | 20,00 | 20,00 | 20,00 |
| - non residential estate purchasing | 20,30 | 20,30 | - |
| - commercial estate purchasing | 20,80 | 20,80 | - |
| - loan disbursement fee | 1,00 | 1,00 | 1,00 |
* While crediting the amount more than 1 mln USD (or the equivalent in other currency) interest rate is increasing 1%.
Also the client is provided the possibility to receive additional consumer loan for the term up to 10 years on the following interest rates:
Loans in the national currency of Ukraine | Up to 10 years |
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| - interest rate | 22,00 |
| - loan disbursement fee | 1,00 |
 Additional expenses on arranging the loan** : |
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1. Insurance service:
- pledged property - 0,25 - 0,3 % of the pledge collateral (is insured after the object is put into operation);
- against an accident - 0,3 - 0,55% of the loan’s amount within the amount of 150 000 USD (including);
- life insurance - from 0,28 - 2,0% of the loan’s amount according to the decision Credit Investment Committee of the bank and/or Credit Committee of the branch.
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2. Notary service:
- Finalizing of Buy-Sell Agreement – according to tariffs of certain Notary in the region;
- Finalizing of Mortgage Agreement - according to tariffs of certain Notary in the region;
- Other services.
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3. State taxis:
- Pledged property to the bank - 0,1% of the pledged collateral;
- While buy and sell – Contribution to the Pension Fund - 1% of the real estate cost on the Buy – Sell Agreement.
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** Additional expenses are given to the current date |
Rates are available since 11 April 2008.
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8-800-507-90-90, 8 (044) 490 27 77
infocentre@kreditprombank.com
