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Type of information Personal loan secured by property  
Basic conditions for a consumer loan
Purpose of obtaining a loan Consumer needs  
Target customer group VIP business clients VIP business clients, who receive wages to an account with JSCB "Concord" JSC, and its amount is at least two minimum wages established at the time of the loan  
Loan amount/limit, UAH up to 10 000 000  
Loan term, days/month/years 60/120 month  
Interest rate, % per annum 19 14  
Interest rate type (fixed/variable) Fixed  
Real annual interest rate, % per annum 22,4 16,29  
Client's own payment,% of the loan amount 0 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 5 078 198,00 3 783 934,00  
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 15 078 198,00 13 783 934,00  
Credit intermediary services no 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 yes, 0.3% of the value of real estate, 4.5% of the value of the vehicle (Yes/no, amount of payment, basis of its calculation, list of persons, if any)
state registrar services yes, 13333 UAH (Yes/no, amount of payment, basis of its calculation, list of persons, if any)
notarial services yes, 5500 UAH (Yes/no, amount of payment, basis of its calculation, list of persons, if any)
appraiser services yes, 0 UAH (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 yes (yes/no)
Collateral type (if applicable) 1) Real estate.
2) Movable property (non-commercial vehicle (vehicle)):
- Up to 7 years - foreign-made cars
- Up to 3 years - cars made in the CIS, China, India, Iran
 
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 13 333 333 (Indicate corresponding amounts)
Ratio of available loan size to property value/property rights (if applicable) Not more than 99% of the appraised value of the mortgaged property, if the property rights to funds or bank metals on the deposit account in JSC "JSCB “CONCORD” are offered as collateral.
Not more than 75% of the appraised value of the mortgaged property, if the mortgaged apartment in a residential building owned by the Borrower / third party as private property, foreign-made cars are offered as collateral.
Not more than 60% of the appraised value of the mortgaged property, if the following property is offered as collateral:
- real estate that does not belong to the housing stock (except for land plots) owned by the Borrower / third party as private property;
- land plots belonging to the Borrower / third party as private property, on which the real estate is located, which does not belong to the housing stock, and the area of which is directly used during the operation of the object.
Not more than 55% of the appraised value of the mortgaged property, if the following property is offered as collateral: - real estate belonging to the housing stock (houses), which belongs to the Borrower / third party as private property; - land plots belonging to the Borrower / third party as private property, on which the real estate belonging to the housing stock (houses) is located and the area of which is directly used during the operation of the object; - agricultural land owned by the Borrower / third party as private property.
Not more than 50% of the appraised value of the mortgaged property, if other vehicles are offered as collateral.
 

 

Essential characteristics of services for providing a consumer loan secured by property

Essential characteristics of services for providing a consumer loan secured by property for external clients

Consumer loan secured by property product passport

Typical mortgage agreement

Typical auto pledge agreement

Typical credit agreement "Сonsumer loan secured by property"

Standard contract. Additional agreement to the deposit agreement. Pledge of property right

Standard contract. Pledge. Property rights. Deposit

Standard contract. Pledge. Fixed assets

Standard contract. Pledge

Public agreement

Requirements for interaction with consumers and other persons in settling overdue debts

Procedure of the Bank in case of non-fulfillment by a client of obligations under the agreement on provision of banking services

 

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 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.

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