Housing crediting

Crediting conditions:

• Interest for credit use:
  • from 20% per annum in local currency;
  • from 14,5% per annum in foreign currency.
• Crediting term – up to 20 years;
• Minimum independent deposit – from 15% of the real estate cost, in case there is additional guarantee (real estate for housing) – 0% of the real estate cost;
• Guarantee: Housing being purchased and/or other real estate;
• Interest for using credit is charged for the debt balance;
• Types of crediting: annuity, standart.

Crediting for real estate purchasing – non-housing resources

Crediting conditions:

• Interest for credit use:
  • from 20% per annum in local currency;
  • from 14,5% per annum in foreign currency.
• Crediting term – up to 10 years;
• Minimum independent deposit – 20% of the real estate cost;
• To guarantee credit repayment the real estate purchased is taken and/or other real estate;
• Interest for use of credit is charged for the debt balance;
• Types of crediting: annuity, standart.

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.

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