Frequently Asked Questions

Down payment is a part of the cost of a vehicle to be paid by the customer independently. The payment takes place in the car dealership on behalf of a private individual customer or a property surety (if any). Down payment receipt is submitted to the bank.

Upfront fee is payable at the moment of the agreement in the outlet of the Bank as a percentage of the disbursed loan amount. The amount of fee depends on the credit product and is within the range of 0% to 3.5%.

According to tariffs of the notary and region. Paid per extract on borrower and property surety (if any) and his/her spouse.

Registration in DRORM costs from UAH 70 to 100 according to the rates of the notary public and depending on the region.

Notarial attestation costs from UAH 1,200 to 1,500 depending on the region and marital status of the Borrower. If the Borrower is not married, minimum fee is charged, if he/she is married, maximum fee is charged.    

0.1% of the cost of the vehicle.

CASCO insurance policy costs from 3.5 to 11% of the cost of the vehicle in cash equivalent depending on the lending program and insurance parameters.

Approximately from UAH 405 to UAH 2642. The payment depends on region, car value and engine volume.

Contribution to the Pension Fund stands at 3% to 5% of the cost of the vehicle less VAT in cash equivalent and is calculated using a differentiated rate: 

•  3% for a vehicle costing up to 165 minimum living wages;
• 4% - up to 290 minimum living wages;
• 5% - over 290 minimum living wages.

Calculation example No.1:

The cost of the vehicle - UAH 100,000 - should be divided by 6 (the result being UAH 16,666.67). Then we deduct UAH 16,666.67 from the cost of the vehicle. Thus we get 83,333.33 and 3% of that amount equals UAH 2,500.

Calculation example No.2:

Cost of the vehicle UAH 100,000 / 1.2 = UAH 83,333.33* 3% = UAH 2,500.

Registration fee is from UAH 2,000 to 4,000 depending on the region.

From UAH 100 to 150 according to the rates of the notary public payable for each extract for the borrower and property surety (if any) and his/her spouse(s) if it has been more than 30 days from the date of the decision.