"Habitation on credit" - general credit program

 Purchasing of habitation on credit on secondary market of real estate.

Terms of lending:

• interest rate - from 16% annual
   
• credit period - to 20 years
   
• down payment - from 10% on the price of the flat, if an object was set in operation after 1995 (for Kyiv) and after 2000 (for regions of Ukraine)
  
• down payment  - from 15% on the price of the flat if an object was set in operation after 1995 (for Kyiv) and after 2000 (for regions of Ukraine)
   
• Insurance of the real estate – from 0.3% on the appraised value of the real estate (annual insurance payment)
   
• Life-assurance - from 0.28% to 0.6% on the amount of credit
   
• Possibility of prior loan repayment without penalties
   

Credit period	5 years	10 years	15 years	20 years
interest rate, EUR*	16%	16%	16%	16%
Interest rate, USD*	16%	16%	16%	16%
Interest rate, UAH*	20%	20%	20%	20%
Commission charges for settlement and cash services (îne time)**	from 1,5 % on credit amount

Documents required:

(on Buyer’s part):

• Passport of citizen of Ukraine + (that of the spouse)
• Marriage certificate
• STA certificate of the taxpayer’s single identification number + that of the spouse
• Reference from the place of work (executed on the company's letter-head) with length of service at this place of work, position held and average monthly salary for the last 6 months to be indicated + that of the spouse
• Copy of labour book + (that of the spouse) - if necessary
• Other additional documents - if necessary

(on the part of Seller):

• Passports and identification codes of all owners
• Property deed
• BTI Certificate (Extract from the register of rights for owners on the real estate)
• Technical passport
• Certificate from Housing Department about the number of persons registered in apartment and about debts on community charges
• Other additional documents - if necessary