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LOAN FOR THE DREAM

Loan secured by real estate

A loan against real estate from Credit Agricole is a possibility to receive money for up to 7 years and use them at one’s discretion.


Loan terms:

The loan is granted for consumption (tuition fees, repairs, travel, etc.)

The loan can secured be apartments, private houses with land plots, land plots

Loan amount range: from 200 000 to 2 000 000 UAH, but not more than 50% of collateral value

  • 17% - for clients receiving wages or income from entrepreneurial activities to an account with CREDIT AGRICOLE BANK;
  • 18% - for other clients.

One-time commission when issuing a loan

  • 1.2% of the loan amount - for clients receiving wages or income from entrepreneurial activities to an account with CREDIT AGRICOLE;
  • 2.5% of the loan amount - for the general list of clients.

Loan term: up to 7 years (inclusive)

Form of loan: non-cash – transfer of loan funds to the current account of the Borrower opened with the Bank

Repayment scheme (at the discretion of the Borrower):

  • equal monthly installments (annuity repayment schedule)
  • payments that decrease every month (standard repayment schedule)

Insurance: mandatory insurance of the pledged property at one of the insurance companies approved by the Bank, at your choice

*Real annual interest rate: from 20,02% (calculated on the basis of the maximum loan term of 7 years, annuity schedule for redemption).

The actual value of the real annual interest rate on a loan will depend on individual lending conditions (loan amount, period, special terms of the product, etc.

You can obtain a loan if:

You are from 25 to 60 years old

You have permanent source of income and time record in your current workplace of at least 12 months.

Additional loan payments:

  • notary services, one-time (average price UAH 10,000)
  • services of an appraiser, one-time (average price 2000 UAH)
  • insurance of the subject of mortgage (for a year) - 0.3% of the appraised value of housing.
  • life insurance of the borrower - no
Application

Early termination of the loan agreement at the initiative of the client is possible only with the full early repayment of the loan and all payments provided for by the agreement.

The right to terminate the loan agreement within 14 calendar days from the date of its conclusion does not apply, since the fulfillment of obligations under the loan agreement is ensured by the conclusion of notarized agreements (transactions) (part 6 of Article 15 of the Law of Ukraine "On consumer lending").

If the client fails to fulfill its obligations under the loan agreement, the bank has the right, in the cases provided for by the agreement, to demand early repayment of the loan (full early repayment of the loan) and compensation for losses caused by the violation of obligations.

The Bank is prohibited from requiring the customer to purchase any goods or services from the bank or a related person as a mandatory condition for the provision of these services (except for the provision of a package of banking services).

The Bank shall not have the right to amend the agreements concluded with customers unilaterally, unless otherwise provided by the agreement or the law.

The client has the opportunity to refuse to receive advertising materials through remote communication channels.

Warning about possible consequences for the client in case of using the banking service:

  • 1. Penalty in the amount of the double discount rate of the National Bank of Ukraine, in effect during the period for which the penalty is paid, but not more than 15% of the amount of late payment
  • 2. Penalty in the amount of the double discount rate of the National Bank of Ukraine in effect during the period for which the penalty is paid, but not more than 15% of the amount of late payment
  • 3. Penalty for violation by the borrower of the conditions of the intended use of the loan - 25% of the amount of funds used for other purposes.
  • 4. Penalty for:
  • lack of a compulsory insurance contract for the subject of the mortgage;
  • Failure to provide a complete package of documents and / or failure to conclude the necessary agreements are required for the issuance of a loan;
  • non-compliance with the provisions of agreements concluded with the bank (credit, mortgage)
  • obtaining loans from other financial institutions, providing guarantees, transferring property as collateral / mortgage without prior written approval from the bank;
  • failure to notify the bank about changes in personal data, contact information, place of residence, place of work, position and other circumstances that may affect the fulfillment of obligations under the Agreement;
  • failure to provide the bank with information on property status and income in the manner and terms specified in the loan agreement;
  • refusal to repay the loan early in the cases specified in the loan agreement - 1% of the amount of the issued loan for each violation.
  • Payment for expert appraisal of the property to be pledged done by one of the appraisal companies approved by the Bank
  • Payment for obtaining of extract/extracts of State Register of Movable Property Encumbrance
  • Payment for obtaining of information from State Register of Proprietary Rights for Immovable Property
  • Payment for notary services related to conclusion and performance of mortgage agreement
  • Payment for state registration of mortgage
  • Payment for state registration of encumbrance of title to the immovable property (restriction of alienation of mortgaged property)
  • Payment for state registration of mortgage termination
  • Payment for state registration of termination of encumbrance of title to the immovable property (restriction of alienation of mortgaged property)
  • Payment for obtaining f extracts of mortgage / encumbrance registration
  • Payment for obtaining of extracts of registration of mortgage termination / encumbrance termination;
  • Insurance payment under the mortgaged property insurance agreement
  • Payments related to opening and maintenance of current account
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