Fixed assets loan

Opportunity to buy transport, agricultural machinery, special machinery and equipment on favorable terms.

Rate – from 0.01% per annum in UAH
No currency risks
Early repayment – ​​no fees
Minimum package of documents

Lending rates (vehicles, agricultural machinery, special machinery)

Interest rate under the state program “Affordable Loans 5-7-9%”

For customers with annual turnover up to EUR 10 mln (in the equivalent): 7% per annum can be reduced to 5% per annum if new jobs are created.

For customers with annual turnover over EUR 10 mln (in the equivalent): 9% per annum.

For customers from the hi-risk military zone: 1% per annum.
Interest rate under standard terms and conditions without participation in government programs

For customers with turnover up to UAH 30 mln: the UIRD 3M + 6%.

For customers with turnover of UAH 30-300 mln: the UIRD 3M + 5%.

For customers with turnover over UAH 300 mln: the UIRD 3M + 3%.

The current value of UIRD 3M can be found in the Ukrainian rate index for deposits of individuals.
One-off commission under the "Affordable loans 5-7-9%" state program

From 0.5% of the loan amount
One-off commission under standard terms and conditions
Loan term From 1 to 5 years
Financing rate under affiliate programs From 0.01% per annum
Down-payment From 0%* of the price of the purchased object
Payment schedule Monthly in equal installments or adapted (principle is repaid not less than twice during every 12 months) taking into account business seasonality
Financing amount From UAH 240 K to EUR 15 mln (in the equivalent)

* If a customer has the limit calculated by the bank.

For entrepreneurs engaged in agriculture (Classification of Economic Activities section A) and processing of agricultural products (Classification of Economic Activities for groups 10.51, 10.61 and 10.71), loans are provided in compliance with environmental and social standards of the World Bank. For other borrowers, if the amount exceeds UAH 20 mn, at the Bank’s discretion in accordance with the internal Environmental and Social Risk Management Policy.

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Assessment companies
Insurance partners

Lending rates (equipment)

Interest rate under the state program “Affordable Loans 5-7-9%”

For customers with annual turnover up to EUR 10 mln (in the equivalent): 7% per annum can be reduced to 5% per annum if new jobs are created.

For customers with annual turnover over EUR 10 mln (in the equivalent): 9% per annum.

For customers from the hi-risk military zone: 11% per annum.
Interest rate under standard terms without participation in state programs

For customers with turnover to UAH 30 mln: the UIRD 3M + 6%.

For customers with turnover of UAH 30-300 mln: the UIRD 3M + 5%.

For customers with turnover over UAH 300 mln: the UIRD 3M + 3%.

The current value of UIRD 3M can be found in the Ukrainian rate index for deposits of individuals.
One-off fee under the state program “Affordable Loans 5-7-9%”

From 0.5% of the loan amount
One-off fee under standard terms
Supplier of equipment VAT-payer
Price per unit

From UAH 100 K incl. VAT taking into account minimum loan amount
Financing amount

Minimum loan amount is from UAH 240 K, project cost is from UAH 350 K
Down-payment From 0%* depending on equipment type
Loan tenor From 12 to 60 months depending on equipment type and financing program
Payment schedule

Monthly in equal installments or adapted (principle is repaid not less than twice during every 12 months) taking into account business seasonality
Eligibility criteria for equipment New equipment. Possibility to identify and monitor (check the presence and condition)
Collateral Equipment purchased, and warranty from the CMU EBRD (which is available)

* If a customer has the limit calculated by the bank.

For entrepreneurs engaged in agriculture (Classification of Economic Activities section A) and processing of agricultural products (Classification of Economic Activities for groups 10.51, 10.61 and 10.71), loans are provided in compliance with environmental and social standards of the World Bank. For other borrowers, if the amount exceeds UAH 20 mn, at the Bank’s discretion in accordance with the internal Environmental and Social Risk Management Policy.

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PrivatBank is a participant in the "Affordable Loans 5-7-9%" state program

PrivatBank is a participant in the "Affordable Loans 5-7-9%" state program
Take advantage of the opportunity to receive interest compensation under the "Affordable Loans 5-7-9%" state program.
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Frequently Asked Questions

How does the fixed assets lending program work?

  1. A customer wants to buy agricultural machinery on credit and selects what he needs.
  2. Addresses the PrivatBank to issue the loan.
  3. Obtains the decision on financing the purchase and the warranty letter confirming that the Bank is ready to pay up to 80% of the machinery price using credit funds when the loan is approved.
  4. The customer issues the documented loan agreement at the bank and pays the down payment to the supplier (the rest of funds the supplier receives from the bank).
  5. If the agreement is issued for a soft loan under the “Affordable Loan 5-7-9%” program, the customer receives support from the state.

What does the down payment amount depend on?

The down payment amount depends on the financial status of the customer and the type of purchased property.

What is the “Affordable Loans 5-7-9%” state support program?

Under the “Affordable Loans 5-7-9%” program the state compensates an entrepreneur for the part of debt burden. The more jobs you create, the greater the compensation % on the loan you receive.

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How to issue a loan for agricultural machinery?

Let’s look step by step at how the agricultural machinery lending state support program works at PrivatBank.

For example, you are going to upgrade fixed assets for agricultural farming. When the machinery is chosen, you should contact PrivatBank and request to get a loan for the agricultural machinery purchase.

Then the terms of financing are approved and the agreement is documented. Under the loan agreement, the bank covers up to 80% of the machinery price with the credit funds and you pay the rest. Therefore, you do not need to provide an additional pledge, as the property which you are going to purchase is the collateral.

The loan repayment scheme for the purchase of fixed assets is adapted to the stages of your agricultural or production cycle.

If the agreement is issued for a soft loan under the “Affordable Loans 5-7-9%” program, the customer receives support from the state.