APPLY FOR A LOAN

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Own real property

REAL PROPERTY LOAN

Advantages:

  • Amount of loan – up to UAH 5,000,000.00
  • Loan term – up to 20 years
  • Fixed interest rate – 16.99%
  • Flexible loan repayment schedule (classical or annuity)

  • Lending conditions

    –  age of borrowing customers: 21-65

    –  Loan term – up to 20 years
    Flexible loan repayment schedule: from 12 to 240 months

    –  Cash from UAH 300,000.00 to UAH 5,000,000.00
    Real property loan, but not over 70% of an estimated (market) value of real property to be purchased

    –  Fixed interest rate

    –  Interest rate is 16.99%

    –  Repayment schedule
    Classical repayment schedule or annuity (in equal parts)

    –  Loan security
    As a loan security, an apartment, house (as well as a land lot), non-residential premises (shopping or office premises) are accepted

    –  Insurance against risk

    –  Borrower’s life insurance and property insurance. Provided annually in insurance companies accredited by the Bank.


  • Required documents

    –  regarding the Borrower:

    • Passport of the citizen of Ukraine, ID card, or other documents indentifying the citizenship of Ukraine.
    • Registration number of the taxpayer’s registration card
    • Certificate of income for the last 6 months from a primary employer and/or card account statement, where payroll is passed to, for the last 6 months (financial statements for the latest reporting date and the latest full year for individual entrepreneurs)
    • Other documents upon the Bank’s request

    –  regarding the pledged property:

    • Original document of title
    • Technical data sheet with explication
    • Other documents upon the Bank’s request

  • Ways of loan repayment

    –  wire transfer by a customer (or their proxy) from their current accounts;
    –  agreed charge-off from the Borrower’s current/card account, opened for crediting and loan repayment, or any other current account of a Borrower;
    –  depositing cash in the cash desk of the Bank.

Life insurance: 0.6% of available amount of the principal of the loan, annually

Real property insurance: 0.3% of cost of real property, annually

Notary services: from UAH 5000.00 to UAH 10,000.00, approximately

Appraisal services: from UAH 600.00 to UAH 2,000.00, approximately

Bank fee for the cash management services for withdrawal/transfer from current account *:  up to 2.5% of a withdrawn/transferred amount
*Loan is credited to the Borrower’s current account opened with JSC “BANK SICH”

Probable consequences for a Customer in case of their failure to fulfill liabilities under the banking service agreement

A Customer shall repay an amount of a loan, fee and interest on a loan, as provided by loan agreement and law of Ukraine.

Probable consequences in case of a failure to fulfill loan agreement:

– charges for late payment of loan payments / interest on a loan / other payments:

  •     UAH 100.00 shall be charged for a late payment of loan payments and/or interest on a loan and/or fees, as provided by loan agreement. This shall be applied if a loan is repaid not later than the 6th calendar days from the date of such a debt;

or:

  •     UAH 250.00 shall be charged for a late payment of loan payments and/or interest on a loan and/or fees, as provided by loan agreement. This shall be applied if a debt remains outstanding over six calendar days from the date of such a debt;

or:

  •     UAH 1,000.00 shall be charged for a Customer’s failure to provide the Bank’s representatives with a confirmation of income within 3 business days, upon their first request.

In case of undue repayment of a loan (its part), a Borrower shall, as provided by Article 625 of the Civil Code of Ukraine, repay a loan along with an inflation ratio, accrued for the whole period of delay, interest on unlawful use of such a loan (rated in paragraph 1.14 of loan agreement), and penalty, as provided by loan agreement.