Whether you are dreaming of an apartment of your own or are simply looking to improve your lodging conditions – Energobank can help by offering you a home loan in the secondary market. The Bank’s mortgage loan programmes feature an individual interest rate for each borrower and an optimal repayment schedule to suit you best: an annuity (whereby a loan is extinguished in equal instalments) or monthly repayments in diminishing principal amounts with interest payable on the current balance.
|
Key features
|
Advantages
|
|
Prompt and clear loan approval process
|
Transparent lending terms and conditions, no monthly fees
|
|
Individual interest rate
|
Depending on your down payment, evidenced income level and other factors, we will be able to offer you an interest rate better than standard
|
|
Early repayment option
|
Early loan repayment free of commission
|
|
Convenient repayment arrangements
|
To facilitate repayment you may lodge a direct debit instruction for funds to be automatically debited from your accounts with the Bank in respect of repayment within given amounts and dates
|
|
|
With the help of Internet banking you can control your loan status and make repayments from your accounts with the Bank without visiting a bank office
|
|
Lending terms
|
|
Maturity
|
Up to 1 year
|
Up to 3 years
|
Up to 5 years
|
|
The maximum loan amount in relation to the value of collateral
|
Up to 60%
|
Up to 60%
|
Up to 60%
|
|
One-time fee
|
3,00%
|
|
Interest rate
|
min 18,5%
|
min 23%
|
min 24%
|
|
Monthly fee
|
N/A
|
|
Repayment schedule
|
Each month, using the annuity or the classical system of repayment
|
Documents to be filed alongside loan application:
- Loan application.
- Passport of Ukrainian citizenship (including that of the spouse).
- Tax ID certificate (including that of the spouse).
- Marriage/divorce certificate (if any).
Additional filings for private individuals:
- Employment certificate specifying position, years of experience and salary for the past 6 months as attested to by the employer.
Additional filings for sole proprietors:
- Certificate of state registration
- Declaration or income report for the last 4 quarters
The Bank may request additional documents as part of loan approval.
For more information please call our Contact Center at: (044) 2 777 000, 0 800 501 500 or leave your contact information and we will contact you at a time convenient to you.