Current needs

Get extra cash to use it at your own discretion, with a home security loan.

Main lending terms:

borrower should be a resident of Ukraine;
permanent residence and permanent job in the same region as outlet of the Bank where a loan agreement will be concluded;
age — from 21 to 65 years;
solvency should be sufficient for loan obtaining.

Advantages:

transparent and flexible lending terms;
complete freedom of loan proceeds use;
no advance instalment;
no monthly fees;
opportunity to choose a convenient repayment schedule - standard or annuity (payment equal installments);
access to credit under favourable terms within loyalty program, if you have already obtained a loan in PJSC "Ukrsotsbank" you can place your funds to the Purpose deposit or if you work in a company participating in «Ukrsotsbank Is Your Bank» program.

Interest rates and additional payments (standard terms):

interest rate – 21.0% variable (floating)* interest rate);
currency – UAH;
lending period – up to 10 years;
debt repayment schedule - standard or annuity (equal payments);
one-time bank fee - 0,99% of loan amount.

* Floating (variable) interest rate is a rate consisting of a moving base to be reviewed once a year and a bank margin. Moving base is an average weighted rate of deposits in UAH for the period of 1 year, involved into accounts of households during the last month which is made public by the National Bank of Ukraine (p.4.1.2.11, column 9.)

Loan amount:

Loan security	Loan amount
Mortgage security	60% від вартості застави

In order to get the loan the following documents are required:

passport (copy of pages with the latest photo; surname and name; details on issuing data and agency; official registration data);
copy of identification code certificate;
certificate of employment indicating position, accrued and actual income for the last 6 months (with monthly breakdowns) and notice “no detention of wages for the last 6 months”;

Certificate of income

32 KB

documents confirming other incomes of a borrower (if there is income outside the primary place of employment), including income declaration for the latest reporting date, certified by tax inspection;
statement from employment record book on place of work for the last three years certified by HR Department;
when obtaining loan on mortgage – documents for subject to mortgage.

Now you can loan for "Current needs", if you decorate a package of banking services.

Consultation of credit specialist - 0 800 5000 20 (dial 6 in menu)