Financing

Loans to finance working capital

PrivatBank is a participant of the Affordable Loans of 5-7-9% state programme.

Product/Parameter Value
Revolving credit line
Rate Subject to participation in the «Affordable loans 5-7-9%» program Standard terms

13% per annum, except for:

  • 3% per annum for business entities conducting economic activities in a high-risk war zone*.
  • 7% per annum for business entities conducting their core activities under all CTEA of Section C.
  • 7% per annum for the reconstruction of fixed assets of business entities destroyed due to military aggression, as evidenced by relevant documents.
  • micro and small business UIRD 3М+4%
One-time fee

0.5% - with hard collateral
1.0% - without hard collateral

Agriseason credit line
Rate If participating in the “Affordable loans 5-7-9%” program: Standard terms

from 13% per annum, excluding the business entities conducting their economic activity in a high military risk zone* - 3% per annum
  • For customers with revenue up to UAH 30 mln:
    from UIRD 3M + 3% to UIRD 3M + 4.5%
  • For customers with revenue UAH 30-300 mln:
    from UIRD 3M + 2.5% to UIRD 3M + 4%
  • For customers with revenue exceeding UAH 300 mln:
    UIRD 3m + 1.0%
One-time fee If participating in the “Affordable loans 5-7-9%” program
- 1.5% - with no hard pledge
- 1% - with hard pledge

Standard terms
- 1% - with no hard pledge
- 0.5% - with hard pledge
Loan secured by a deposit
Rate
  • +2,5% to the deposit rate (loan and deposit in the same currency);
  • +3% to the deposit rate (loan and deposit in different currencies: EUR/USD; USD/EUR);
  • 19% per annum (loan in UAH, deposit in EUR/USD) for micro and small business customers
    		•
    Fee
    (for issuing a new loan/extending an existing agreement)    		 0,4% (min UAH 400, max UAH 40,000)
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    *High-Risk War Zone - territories susceptible to combat operations as listed and approved by the Ministry of Reintegration, with no specified end date for combat operations, or territories where there have been no combat operations or occupation for less than one calendar year as of the date of entering into the credit agreement.

    Business-overdraft (automatic)

    Parameter Value for all projects
    1–30 days 24,0%
    31–60 days 25,5%
    61–90 days 27,0%
    Agro clients 25,0%
    Exceeding the allowed period of use of the Credit Double interest rate applied for the maximum term of the period of continuous use of the Credit
    One-time commission for providing financing (% of the financing amount): 1%

    Business-overdraft (standard)

    Parameter Value for all projects
    1–30 days 22,0%
    31–60 days 23,5%
    61–90 days 25,0%
    Agro clients 23,0%
    Exceeding the allowed period of use of the Credit Double interest rate applied for the maximum term of the period of continuous use of the Credit
    One-time commission for providing financing (% of the financing amount)
    for secured transactions 0,5%
    for unsecured transactions 1%

    Capital investment loans

    Product/Parameter Value
    Investment loan (non-revolving credit line up to 5 years)
    Rate
    • For customers with revenue up to UAH 30 million: UIRD 3m + 6%.
    • For customers with revenue over UAH 30 million: UIRD 3m + 5%.
    One-time fee 1% of the loan amount
    Loan for the purchase of fixed assets, including agricultural machinery
    Rate 22%
    One-time fee Subject to participation in the «Affordable loans 5-7-9%» programStandard terms

    From 0.5% of the loan amount

    From 0.5% of the loan amount
    Additional terms
    Insurance of the pledged property According to the rates of the bank's insurance partner companies
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    Leasing tariffs for Micro and Small business

    These conditions are valid for the registration of new transactions and are not the valid for revision of the terms of the concluded contracts.

    Parameter Subject to participation in the "Affordable Financial Leasing 5-7-9%" Standard terms
    Basic interest rate on leasing programmes (% per annum) From 5 to 9%
    • For customers with revenue up to UAH 30 million: UIRD 3m + 6%.
    • For customers with revenue over UAH 30 million: UIRD 3m + 5%.
    One-time fee for providing financing (% of the financing amount) 0.5% or more of the leasing agreement amount (0% under partnership programs)

    Additional costs incurred by a lessee for transaction processing

    The prices are indicative. The final amount of expenses depends on the parameters of the leased assets and the tariffs of the partner companies.

    Parameter Value
    Leased asset insurance (% of its value annually)
    Agricultural machinery from 0.38% per year
    Special equipment from 0.6% per year
    Registration with government agencies (one-off)
    Agricultural machinery UAH 4,000
    Vehicles UAH 1500
    Lease subject evaluation (sale-leaseback/used property) for transactions exceeding UAH 10 mln
    Trailed/mounted agricultural equipment UAH 2 985
    Agricultural machinery (self-propelled) UAH 3 185
    Special equipment UAH 2 985
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    Tariffs for Micro and Small business

    Guarantees within Ukraine

    Type of service Tariff*
    Providing a guarantee/counter-guarantee (except uncovered tender guarantee and uncovered guarantee for travel agents)** 0.3% of the guarantee/counter-guarantee amount (but not less than UAH 1 500 and not more than UAH 30 000)
    Providing an uncovered tender guarantee, uncovered guarantee for travel agents 2% of the guarantee/counter-guarantee amount (but not less than UAH 1 500 and not more than UAH 30 000)
    Increasing the amount/extension the guarantee/counter-guarantee (except cash covered guarantees/counter-guarantees on cover account 2932/2952 and uncovered tender guarantee, uncovered guarantee for travel agents)*** 0,3% of the guarantee/counter-guarantee amount in case of extension, or of the amount of the guarantee increase (but not less than UAH 1 500 and not more than UAH 30 000)
    Amendments to guarantees/counter-guarantees under cash collateral on cover account 2932/2952 and uncovered tender guarantees, uncovered guarantees for travel agents as well as other amendments to other types of guarantees/counter-guarantees*** UAH 1,500
    Monthly fee for execution of operations under an uncovered guarantee (except tender guarantee and guarantee for travel agents)****

    For micro and small business clients:

    • 2% per annum (min 500 UAH monthly) – secured by property rights to a deposit/counter-guarantee of another bank;
    • 3% per annum (min 500 UAH monthly) – secured by movable/immovable property;
    • 3,5% per annum (min 500 UAH monthly) – under other security***** or blank

    For medium and corporate business clients:

    • 1% per annum (min 500 UAH monthly) – secured by property rights to a deposit/counter-guarantee of another bank;
    • 2% per annum (min 500 UAH monthly) – secured by movable/immovable property;
    • 2,5% per annum (min 500 UAH monthly) – under other security***** or blank
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    * All tariffs exclude VAT. Unsecured guarantee rates apply to a partially covered guarantee.
    ** Cash covered guarantees on cover account 2932/2952 are provided to clients with a current financial status class and newly created clients (who have not yet had annual financial statements). The financial status class is calculated by the bank and should be 1-10 for legal entities and 1-5 for individual entrepreneurs.
    *** A fee is charged for each change. In case of simultaneous introduction of several changes, one fee of the greater value is paid.
    **** Payment under a guarantee using bank funds is the provision of a loan to the client under the guarantee agreement terms and conditions.
    ***** Other security includes, in particular, goods in circulation, an EBRD guarantee or a guarantee from another international financial organization, etc.

    Letters of credit within Ukraine

    Letters of credit issued by the bank
    Type of service Tariff*
    Issuance of the letter of credit 0,3% of the letter of credit amount (min UAH 1 500, max UAH 30 000)
    Amendment, cancellation of the letter of credit** UAH 1 000
    Monthly fee for execution of operations under an uncovered letter of credit***

    For micro and small business clients:

    • 2% per annum (min 500 UAH monthly) – secured by property rights to a deposit
    • 3% per annum (min 500 UAH monthly) – secured by movable/immovable property
    • 3,5% per annum (min 500 UAH monthly) – under other security**** or blank

    For medium and corporate business clients:

    • 1% per annum (min 500 UAH monthly) – secured by property rights to a deposit
    • 2% per annum (min 500 UAH monthly) – secured by movable/immovable property
    • 2,5% per annum (min 500 UAH monthly) – under other security**** or blank
    Letters of credit received by the bank
    Type of service Tariff*
    Advising on the letter of credit/changes to the terms of the letter of credit, including its cancellation** UAH 1,000.00
    Confirmation of the letter of credit: with coverage in PrivatBank UAH 1,500.00
    Confirmation of the letter of credit: uncovered*** No less than 5% per annum (min UAH 500.00 per month)
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    * All tariffs exclude VAT.

    ** A fee is charged for each amendment or cancellation. In case of simultaneous introduction of several amendments, one fee is paid.

    *** Payment under the letter of credit using bank funds is the provision of a loan to the client under the letter of credit agreement terms and conditions.

    **** Other security includes, in particular, goods in circulation, an EBRD guarantee or a guarantee from another international financial organization, etc.

    Promissory note transactions in Ukraine

    Type of service Tariff
    Cost of one promissory note bill (simple or transferable) UAH 150.00, incl. VAT – UAH 25.00
    State duty in the amount of 0.1 of the non-taxable minimum income of citizens for each bill UAH 1.70