Credit lines to payment cards

Credit cards for constant clients of the Common Settlement Centre (CSC)

The plastic card of payment system NSMEP with the fixed credit line (Payment card) is given to the clients of the CSC, who pay for utility services well-timed and in complete volume. Thus the payment card is made out FREE-OF-CHARGE.

Conditions of crediting:

• Age of the borrower: 23-55;
• Credit limit: from 1 000,00 UAH;
• Interest rate: 28% annual;
• Size of monthly replenishment of a credit card: 5% of the sum of the fixed limit.

In case of granting by the applicant of the document which confirms income, size of the credit limit can be enlarged.

Pensioners can also receive a credit line on this kind of credit, thus the credit limit makes 50% of the monthly average size of the income.

"The Credit plus"

This credit is offered for the borrowers, who receive credits with payment of independent installment for purchasing (reconstruction) of the real estate, plots of land, vehicles, and also on the credits, which are given under a pledge of the real estate (plots of land) and vehicles.

The credit is given as a credit line to the current account. The payment card NSMEP with the fixed credit limit (a credit line to the current account) is given to the borrower at obtaining credit on a different credit product (main credit).

Conditions of crediting:

• Size of the credit line – 3 000,00 UAH;
• Interest rate – 28% annual.

Overdrafts for the employees of budget establishments

Conditions of crediting:

• Currency of the credit: local;
• Size of the limit: not more than 10 000,00 UAH;
• Term of overdraft usage: not more than 1 year;
• Interest rate – discount rate of NBU.

Overdrafts for the employees of non-budget establishments

Conditions of crediting:

• Currency of the credit: local;
• Size of the limit: not more than 10 000,00 UAH;
• Term of overdraft usage: not more than 1 year;
• Interest rate – from 28% annual.

Overdrafts to the bank’s investors under a pledge of deposit

Overdrafts are given to all investors (at the request of the investor) in case of presence of deposit for the sum from 3 000,00 UAH or its equivalent in foreign currency.

Conditions of crediting:

• Currency of the credit: local;
• Size of the limit: not more than 70% of the sum of placed deposit;
• Term of overdraft usage: not more than the term of deposit agreement;
• Maintenance: property right for money deposit;
• Interests for credit usage are charged for the balance of debt.

The list of the documents which are necessary to receive the credit (minimum pack):

• Ukrainian passport;
• ID certificate of a tax-payer;
• Reference from the work-place for the last 6 months;
• In case a borrower is a private entrepreneur – entrepreneur registration certificate; document which confirms income with state tax inspectorate mark by the place of registration (report of the entrepreneur, tax inspectorate reference etc.) for the last 2 reporting periods, tax payment reference;
• Extract from the work-book.

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For additional information turn to the address:

46 Artyoma Street, room 210
Kharkiv, 61002
Department of Individuals Crediting (Sale Department)
Tel.: (057) 715-52-63.