Car loan

 

THINK ABOUT THE ROAD

Think about the comfort on the road. We’ll take care about other things. UniCredit Bank has offered professional services in money matters for 40 million of our clients in 22 European countries. Now you can choose the direction by yourself with car loans from UniCredit Bank.

In UniCredit Bank we will offer you credit for new cars with optimal repayment schedule.

After the car has been chosen at auto show and the necessary document set has been prepared, our consultants will advise you on the most suitable size and the term of the credit depending on your financial abilities.

The conditions of acquiring the credit in UniCredit bank are absolutely transparent; you won’t find any hidden payments or additional fees:

• Credit currency –UAH;
• The minimum credit amount is UAH 30 000;
• The down payment – minimum 40% (for cars manufactured in CIS countries, China and India minimum 60%) of the car value;
• Credit term is under 5 years (for cars manufactured in CIS countries, China and India under 2 years);
• The interest rate is floating and depends on average deposit interest rate for households’ accounts in UAH for term up to 1 year that is published by National Bank of Ukraine (the information is on the NBU site, article 4.1.2.11, column 9).
  Currently the annual interest rate is 21,50%.
  The interest rate will be reviewed annually on the 1st day of the month when the credit with floating interest rate was disbursed. 
• Bank commission is 1.5% of the credit amount; you pay it once during the registration (additional commission of 0.5% of the credit value may be applied in case of non-standard application);
• Car insurance for the whole credit term on «Full KASKO» program is mandatory.

We will open for you card account for convenient monthly credit payments. You’ll only have to replenish your account over the counter in bank branches or via cash-in ATMs at any time convenient for you. Whereas we will take care about direct debit towards monthly repayment of your loan.

Early loan repayment is acceptable without any penalties.

Cost of the car

Monthly payment amount of a credit contract can differ from the above mentioned calculation due to the different actual day quantity in months over the period of the credit usage.