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Mortgage loans

Terms and conditions:

Object of lending:

  • Purchase of residential real estate (apartments, private houses) on the secondary property market;
  • Investment in proprietary rights for residential real estate on the primary market (against the pledge of secondary residential property belonging to the Borrower or spouse of the Borrower).

Interest rate:

  • 10,72% annual for customers who receive wages or income from business activities on the current or card account of CREDIT AGRICOLE
  • floating and depends on the Ukrainian Index of Retail Deposit Rates in UAH for 12 months (UIRD (12m) presented by the National Bank of Ukraine (on the NBU website)

One-time comission 1,0%

Loan amountfrom USD 10 000 to 150 000 in UAH equivalent (USD 200 000 – for Kyiv and Kyiv region)

Loan tenor ― up to 20 years (inclusive)

Customer’s deposit: from 40%

Form of loan disbursement: cashless – by transfer of credit funds to the current account of the Borrower opened with the Bank

Optional schemes of loan repayment:

  • monthly by approximately equal parts
  • by payments reducing from month to month

Mandatory insurance of the pledged real estate in one of insurance companies approved by the Bank, on your choice

You can obtain a loan if:

You are from 25 to 60 years old

You receive salary or income from entrepreneurship to the current or card account with CREDIT AGRICOLE

You have regular source of income and have been working on the last job place for at least 12 months or have been registered as a private entrepreneur for at least 2 years for the common taxation system and 1st and 2nd groups of single tax payers and for at least 1 year for other single tax payers groups

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

  • to obtain the loan, one should contact the outlet of the bank with documents required for loan obtaining.
  • You can receive preliminary decision on the possibility of loan obtaining without a choice of a particular property by providing the respective documents to the bank and filling in the loan application with specification of approximate parameters of the preferred property.
  • 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
Contact center Credit Agricole
0 800 30 5555 Free