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STANDARD This loan is a standard product. During the whole loan period a client pays on equal monthly basis, including a part of principal debt plus interests on a standard rate. Maximum loan to immovable property value ratio is 90% and respectively, minimal advance installment is 10%. There is a possibility to obtain loan with minimal advance installment of 0% on condition of existence of additional pledge. This product allows you to obtain additional loan (cash back) against the property pledge after two years of principal mortgage use if market value of property increased. Cashback is provided in amount of 90% of revaluation balance and can be used for property improvement as well as for consuming purposes. This product does not include early repayment commission and therefore is suitable for clients who plan to repay their mortgages before the agreed date. Mortgage is granted for the term up to 25 years.
FINANCE This programme has a discount rate that gradually increases during the first 5 years and thus, allows you to pay lower interest in first years of loan use on condition of commission payment for early repayment. Commission reduces each year together with increase of interest rate. Maximum loan to property value ratio is 90% and respectively, minimal advance installment is 10%. There is a possibility to obtain loan with minimal advance installment of 0% on condition of existence of additional pledge. This tariff package allows obtaining additional loan (cash back) against the same property pledge after two years of principal mortgage use if market value of property increased. Cashback is provided in amount of 90% of revaluation balance and can be used for property improvement as well as for consuming purposes. Mortgage is granted for the term up to 25 years. This product is suitable for clients who expect the growth of their future income.
INTEREST ONLY This tariff package allows you to repay only interest without principal debt during first three years. During this period interest rate will be by 1% higher than Standard Variable Rate, and after that loan is repaid on standard rate. Maximum loan to property value ratio is 90% and respectively, minimal advance installment is 10%. There is a possibility to obtain loan with minimal advance installment of 0% on condition of existence of additional pledge. This product allows to obtain additional loan (cash back) against the same property pledge after two years of principal mortgage use if market value of property increased. Cashback is provided in amount of 90% of revaluation balance and can be used for property improvement as well as for consuming purposes. This package does not include early repayment commission and therefore is suitable for clients who plan to repay their mortgages before the agreed date. Mortgage is granted for the term up to 25 years. This tariff package is the most suitable for one who invest in property.
STATUS Amount of this loan cannot be less than USD 100 000 (or its Euro/UAH equivalent). In the beginning of lending period discounted rate is minimal, which gradually increases to the standard one during 7 years. In case of early loan repayment during discounted rate period a client pays commission that gradually reduces together with increase of interest rate. Maximum loan amount to property value ratio is 70%/100%. There is a possibility to obtain loan with minimal advance installment of 0% on condition of existence of additional pledge. Mortgage is granted for the term up to 25 years. This tariff package is the most suitable for VIP-clients.
ALL INCLUSIVE This tariff package includes all commissions insurance payments build in interest rate. Therefore, the rate will consist of standard rate plus cost of insurance (~2%). Product includes constant early repayment commission during the first 5 years. Maximum loan to property value ratio is 90% and respectively, minimal advance installment is 10%. There is a possibility to obtain loan with minimal advance installment of 0% on condition of existence of additional pledge. This package allows client to obtain additional loan (cash back) against the same property pledge after two years of loan use if market value of property increased. Cashback is provided in amount of 90% of revaluation balance and can be used for property improvement as well as for consuming purposes. Mortgage is granted for the term up to 25 years. This tariff package is the most suitable for those who value their time.
YOUTH This package includes special rate and opportunity to receive compensation from Governmental Fund for Youth Building Facilitation in amount of NBU discount rate. Client has to meet the criteria and terms of governmental programme and to apply personally to the Fund for compensation.
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