Housing Loan

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The bank is prohibited to require customers to purchase any products or services of the bank or of the bank’s related parties as an obligatory term for the provision of these services (excluding the provision of the package of banking services).

The bank does not have the right to unilaterally amend the contracts concluded with customers unless otherwise stipulated by the contract or by law.

Pursuant to Article 651 of the Civil Code of Ukraine, the contract can be terminated unilaterally by sending a corresponding notice to the borrower. On the date specified in the notice, the contract shall be deemed as terminated. Nevertheless, on the last day of the contract, the borrower is obliged to return the loan amount to the lender in full and fulfill all other contractual obligations. Unilateral withdrawal from the contract does not release the borrower from the liability for breach of obligations.

In the case of late payment for the housing loan:

• the interest is paid in the amount of the double interest rate effective for the contractual terms during the corresponding period, on the outstanding debt amount on the principal for the loan use, starting from the day following the date when the obligation becomes overdue. The customer pays the bank the interest on the loan amount not repaid on time which, pursuant to Part 2 Article 625 of the Civil Code of Ukraine, is established by the agreement of the parties as the percentage of the outstanding debt amount on the loan principal in the double interest amount;
• a penalty in the amount of the double accounting rate of the National Bank of Ukraine effective for the period for which the penalty is paid, from the amount of the late payment but not less than 1 hryvnia for each day of delay and not more than 15% of the late payment amount. The penalty is paid in hryvnia.

Yes, upon the termination of the contract on the provision of the banking service (in connection with the contract expiration, termination or fulfillment of the obligations) the customer has the right to request the bank to provide the certificate on the fulfillment of contractual obligations by the parties. This certificate contains, inter alia, the information about absence of debt and fulfillment of the contractual obligations by the customer in full.

The bank provides the certificate in paper or electronic form, at the customer’s choice, within five business days from the request date.

The customer may on his/her own order the electronic certificate via Privat24, in the Services menu: “Services – Certificates – Standard Certificates – Certificates on Card/Account Closure / Certificate on Loans / Certificate on Present / Absent Debt in the Bank”.

The customer can also visit the bank branch and obtain the certificate on paper pursuant to the current rates of the bank.