Mortgage credit loans



  • Comfortable loan services;
  • Basic requirements for documents for confirming your income;
  • Possibility to postpone loan payment;
  • Interests on actual sum of the loan;
  • Prescheduled repayment of the loan without penalties and fees.
PJSC bank “ARCADA” offers mortgage loans to physical entities-residents that signed the Agreement for participation in the Construction Financing Fund and invested more than 20% from the total sq.meters of chosen apartment. Borrower is a person between 18-60 years old. The loan term is 30 years maximum (age of the borrower for the time of final loan payment cannot exceed 60 years).           



Object of financing Annual percentage rate depending on the chosen object location Expanses for loan arrangements
"" ""
Kyiv “PATRIOTYKA” 5% 1.25%  
Of the credit/loan amount – bank fee for credit/loan management (single payment))
0.325%  
  Insurance policy for a year - 0,325% of property value (annually), notary services (single payment – State fee - 0,01 % of property value), (independent property assessment in single payment– 1500 UAH.)  
Kyiv “PATRIOTYKA” 16% 1.25%  
Of the credit/loan amount – bank fee for credit/loan management (single payment))
0.325%  
  Insurance policy for a year - 0,325% of property value (annually), notary services (single payment – State fee - 0,01 % of property value), (independent property assessment in single payment– 1500 UAH.)  
Kyiv “EVRYKA” 5% 1.25%  
Of the credit/loan amount – bank fee for credit/loan management (single payment))
0.325%  
  Insurance policy for a year - 0,325% of property value (annually), notary services (single payment – State fee - 0,01 % of property value), (independent property assessment in single payment– 1500 UAH.)  
Kyiv “EVRYKA” 16% 1.25%  
Of the credit/loan amount – bank fee for credit/loan management (single payment))
0.325%  
  Insurance policy for a year - 0,325% of property value (annually), notary services (single payment – State fee - 0,01 % of property value), (independent property assessment in single payment– 1500 UAH.)  
Houses at the residential complex Nova Bogdanonivka 5% 0.75%  
Of the credit/loan amount – bank fee for credit/loan management (single payment))
0.325%  
  Insurance policy for a year - 0,325% of property value (annually), notary services (single payment – State fee - 0,01 % of property value), (independent property assessment in single payment– 1500 UAH.)  
Houses at the residential complex Nova Bogdanonivka 16% 0.75%  
Of the credit/loan amount – bank fee for credit/loan management (single payment))
0.325%  
  Insurance policy for a year - 0,325% of property value (annually), notary services (single payment – State fee - 0,01 % of property value), (independent property assessment in single payment– 1500 UAH.)  

Loan conditions

The right to receive a loan is given to the Borrower, whose monthly payments under the loan will not exceed 70% of the aggregate net monthly income reduced by the monthly expenses and obligations of the Borrower.

Prior to the provision of a mortgage, the Bank shall determine the solvency of the Borrower. To do this, you must submit to the Bank the documents confirming the actual proceeds received by the Borrower in the last 6 months (for individual entrepreneurs - for the last 12 months in a row).

In order to ensure repayment of the loan, payment of interest on the use of the loan and fulfillment of other obligations of the Borrower, it is necessary to issue a Mortgage agreement, the subject of which is the mortgage of the property rights for the real estate under construction, and real estate after the completion of construction.
On the day of the notarial registration of the Mortgage contract, the presence of both spouses is required for the registration of a written consent for the transfer to the mortgage.

Real estate in the mortgage, in accordance with the Law of Ukraine "On Mortgage", must be insured. The mortgage agreement is executed in the Bank premises simultaneously with the Mortgage Loan Agreement.

The Borrower grants to the Bank a Power of Attorney for the right to receive a technical passport and title documents for real estate from the Builder.

On the day of making a loan, the Borrower must pay cash to the cashier of the Bank for payment of state fees, registration, notarial services, expenses for the periodic evaluation of the pledged property and other expenses that arise in connection with the implementation of the terms of the Mortgage Loan Agreement and the provision of its execution.

Upon full fulfillment of obligations of the Borrower on a loan, the Bank imposes a prohibition on the alienation of the subject of a mortgage in the State Register of Real Property Rights to Real Estate.

Loans are granted only after a positive decision of the Bank's Credit and Investment Committee.

Agreements that are accepted by the creditor as collateral for a loan and / or which are a condition for the provision (further servicing) of a loan must be consistent with and drawn up on the basis of the Bank's developed and approved standard forms of agreements.

Requirements of JSC Bank "ARCADA" to insurance companies - partners of the bank

Requirements of JSC Bank "ARCADA" to notarial partners of the bank


Requirements of JSC Bank  "ARCADA" to the subjects of valuation activity - partners of the bank




amount of loan that you wish
Tip about the credit/loan amount

50 000
350 000
грн.
Period of loan (months)
Tip about the credit/loan term

1
360
months
Monthly payment (UAH): 0

variants for loan amortization
  • Before the building taken into use the Borrower pays monthly interests for the loan service;
  • After the building is taken into use the Borrower makes equal monthly repayments and pays the interests on the loan.
  • From the date of signing the loan agreement the Borrower makes equal monthly payments (loan and interests) for obligations of the loan. 

* — For loan objects in all regional branches and bank offices, loan amortization is realized in monthly equal payments from the date the loan contract was issued.
  • a certificate from the place of employment about the income earned during the last 6 months, signed by the head of the company and the chief accountant, sealed by the enterprise;
  • a tax authority certificate of the amount of taxes paid;
  • For individual entrepreneurs - annual tax return for the previous financial year and for the reporting date of the current year (not less than for the last 12 months in a row) ;
  • documents confirming the payment of fees, dividends;
  • civil contracts for the execution of works and the provision of services and documents confirming receipt of income for them;
  • documents confirming social benefits - pensions, alimony, etc. ;
  • property lease agreements and documents confirming receipt of income from them;
  • documents on the income received from the ownership of corporate rights;
  • deposit agreements and documents confirming receipt of income from them;
  • other reliable documents confirming the receipt of income from other sources.
  • Ukrainian national passport (or other document certifying a person and giving the right to conclude transactions in the territory of Ukraine
  • document issued by the State Tax Service, certifying the registration of a physical entity in the State Register of Natural Persons - taxpayers (taxpayer card / certificate of identification number
  • document confirming the place of residence or place of stay of an individual (provided in case of  the absence of a note on registration of the place of residence or stay in the passport
  • agreement on participation in the Fund for Construction Financing;
  • certificate of registration or dissolution of marriage (court decision on divorce
  • passport or other identity document,   document issued by the State Tax Service, certifying the registration of a physical entity in the State Register of Natural Persons - Taxpayers (taxpayer card / certificate of identification number) of the spouse;
  • documents, confirming ownership of other real estate, vehicles, securities and other assets of the Borrower;
  • documents confirming the Borrower's income received over the last 6 months (for individual entrepreneurs - for the last 12 months in a row).