Loans to meet consumer needs
| Type of information | Loans to meet consumer needs | |||
| Basic conditions for a consumer loan | ||||
| Purpose of obtaining a loan | Consumer needs | |||
| Target customer group | VIP business clients | |||
| Loan amount/limit, UAH | up to 10 000 000 | |||
| Loan term, days/month/years | 24 month | |||
| Interest rate, % per annum | 35 | |||
| Interest rate type (fixed/variable) | Fixed | |||
| Real annual interest rate, % per annum | 40,12 | |||
| Client's own payment,% of the loan amount | 0 | |||
| Information about the estimated total cost of a consumer loan for a client | ||||
| General expenses on a loan [including interest for using a loan, bank commissions and other client's expenses for additional and related services of a bank, a credit intermediary (if any)] and third parties, UAH | 3 510 508,03 | |||
| Estimated total cost of a loan for a client for the entire period of use of the loan (loan amount and total loan costs), UAH | 13 510 508,03 | |||
| Credit intermediary services | no | (Yes/no, payment amount) | ||
| Payments for additional and related services of the bank and/or third parties: | ||||
| warning: The conclusion of a consumer loan agreement is / is NOT connected (leave the necessary) with the need to obtain additional and related services of the bank and / or third parties indicated in column 3 of lines 23-27 of the table of Appendix 1 to the Regulation on information provision by banks of CLIENTS regarding banking and other financial services (hereinafter - the Regulation). The legislation of Ukraine provides for: the right of the client to conclude an agreement on the provision of Additional or related services from a third party selected by him, included in the List of those that meet the Bank's Requirements (if there is such a List, which is determined by the bank), except for the case when the relevant service is provided only by the bank; the right of the client to independently apply to the person providing consumers with the corresponding additional or related services among persons not included in the List determined by the bank, if the bank's definition of the LIST of third parties that provide consumers with additional or related services related to the conclusion of a consumer loan agreement includes less three people for each type of service. | ||||
| insurer services | no | (Yes/no, amount of payment, basis of its calculation, list of persons, if any) | ||
| state registrar services | no | (Yes/no, amount of payment, basis of its calculation, list of persons, if any) | ||
| notarial services | no | (Yes/no, amount of payment, basis of its calculation, list of persons, if any) | ||
| appraiser services | no | (Yes/no, amount of payment, basis of its calculation, list of persons, if any) | ||
| other mandatory services | no | (Yes/no, amount of payment, basis of its calculation, list of persons, if any) | ||
| Consumer loan security | ||||
| Pledge/surety | no | (yes/no) | ||
| Collateral type (if applicable) | no | |||
| The approximate minimum value of property / property rights required to obtain a loan for the amount indicated in column 3 of line 11 of the table of Appendix 1 to the Regulation (if applicable), or | 0 | (Indicate corresponding amounts) | ||
| Ratio of available loan size to property value/property rights (if applicable) | no | |||
Essential characteristics of a consumer loan service (cash)
Loans to meet consumer needs product passport
Requirements for interaction with consumers and other persons in settling overdue debts
Warning:
1. Warning about possible consequences for the Client in case of using the consumer credit service:
- when receiving the loan, the borrower incurs costs in the form of interest, fees and other charges for the services of the Bank according to the terms and conditions of the loan agreement;
- in case of untimely repayment of the credit indebtedness or other violations of the terms of the agreement, the Borrower may be subject to penalties in accordance with the terms of the loan agreement;
- in case of improper fulfillment by the Borrower of its obligations under the loan agreement, the Bank shall have the right to apply to the relevant government agencies in order to meet its requirements, including compulsorily;
- in case of improper fulfillment by the Borrower of its obligations under the loan agreement, the Bank shall have the right to apply to collection companies acting in the interests of the Bank;
- the Client has the right to withdraw from the concluded Agreement without explaining the reasons within 14 calendar days from the date of concluding the Agreement, of which the Client shall notify the Bank in writing. In this case, within 7 calendar days from the date of submission of the above notification the Client is obliged to return the funds received according to the Agreement to the Bank and pay interest for the period from the day of receiving the funds until the day of their return at the rate, established by the Agreement in accordance with Annex # 4 to the Public Agreement on comprehensive banking services for individuals of the JSC" JSCB "CONCORD";
- The customer has the right to terminate or cancel the agreement ahead of schedule by full early repayment of the credit debt. Any penalties in case of early (full or partial) repayment of the loan are not accrued and shall not be paid;
- information about the Borrower is provided to the Credit History Bureau, Credit Registry.
2. The Bank is prohibited to require the Client to purchase any goods or services from the Bank or a related or associated person as a prerequisite for providing these services (other than providing a package of banking services).
3. The client can refuse to receive promotional materials of the Bank by contacting the Call Center of the Bank by phone numbers: +38 (050) 734 50 05, +38 (068) 734 50 05, +38 (056) 734 50 05, or by leaving an application on the Bank's website.
4. The Bank has no right to unilaterally amend the agreements concluded with the Clients, unless otherwise stipulated by the agreement or the law.
