Consumer loan secured by real estate
We will take care of other things. UniCredit Bank has been offering professional services in money matters for 40 million of our clients in 22 European countries. From now on you can fulfill your most daring plans and dreams with consumer loan secured by real estate UniCredit Bank.
We will offer you a loan for following consumer needs:
- for the term up to 5 years
- the renovation of real estate where you currently live;
- the building of residential house;
- for purchase of real estate on the primary market;
- for purchase of garage or parking place;
- for purchase of used car;
- for purchase of furniture.
- for the term up to 2 years:
- for purchase of bathroom and home appliances for your house;
- for wedding
- for studying;
- for vocational trips;
- for purchase of spare parts for your car;
- for medical treatment;
- others.
We will offer you to receive money in tranches if the purpose of the loan is the renovation, building of residential house or the purchase of real estate on the primary market, otherwise you will receive all loan amount at once.
After you provide us with full document package our consultant will advice you which loan amount and term it is better for you to take refer to your financial possibilities
The conditions of receiving the loan in UniCredit bank are absolutely transparent; you won’t find any hidden payments or additional fees:
- Credit currency –UAH;
- The credit amount is from UAH 50 000 to UAH 600 000, but no more than 30% from the valued real estate cost;
- Credit term is from 1 to 5 years, it depends on the loan purpose;
- 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 24,50%.
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 1.0% 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);
- In order to receive a loan it is mandatory to acquire insurance of real estate and, in some cases, borrower’s life and the title (your proprietary right for real estate) for the whole loan term.
- The loan can be secured exclusively with real estate in the borrower’s ownership;
- The decision on your loan application is valid for 2 month.
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
