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Car Loan
- Terms and conditions of retail lending according to the Car Loan Programme
Loan Currency | Maximum period of loan | Advanced payment
(% of the car cost) | Interest rate (% per annum) | One-off commission for funds recalculation, % | One-off fixed payment, % | Hull insurance, civil liability insurance, accident insurance | UAH | 1 year | 30% | 24.0% | 0.5% | 2.5% | At its own cost and expense | 2 years | 30% | 25.0% | 0.5% | 2.5% | At its own cost and expense | 3 years | 30% | 26.00% | 0.5% | 2.5% | At its own cost and expense | The other terms and conditions of lending: - Loan repayment - monthly by equal parts.
- Security: pledge of a car bought on credit.
- Hull insurance, public liability insurance of the owner of a land-based vehicle and accident insurance of the Borrower.
- Hull insurance, public liability insurance and accident insurance of the Borrower is carried out at his/her own cost and expense.
- Terms and conditions of retail lending for buying new vehicles within the cooperation with ‘Panauto’ Center
Lending currency: | UAH. | Maximum lending period | 36 months | Minimum advance payment | 40 % of the vehicle price | Security | Mainsecurity: avehicle, purchased atthe expenseof aloan Additional security: at the decision of the lending committee/Ban’s commission | Interest rate | Interest rate is as follows | Lending period | Interest rate | Up to 12 months inclusive | 7.0 % per annum | Up to 24 months inclusive | 12.0 % per annum | Up to 36 months inclusive | 17.0 % per annum | One-time fixed payment is | 1.0% of the loan | Insurance | -full hullinsurance -civilliabilityinsurance - accident insurance | Repayment schedule | every month, by equal installments | You may find more detailed information, having visited the nearest outlet of the JSB Kyivska Rus in your city. - Terms and conditions of retail lending for vehicles purchase at ‘Panauto’ Center according to «Yamaha under 0%» Program
Lending currency | UAH | Maximum lending term | 12 months | Minimum advance payment | 50 % of the vehicle cost | Security | Primary lending: pledge of a purchased vehicle Additionallending: according to the decision of the lending committee / Bank’s commission | Interest rate | 0.01% per annum | One-time fixed payment | 1.99 % of the loan amount | Insurance | - full hull insurance; - civil responsibility insurance; - accident insurance. | Repayment schedule | Every month, by equal installments | You may find more detailed information, having visited the nearest Bank’s outlet in your city. Outlet addresses
Hot line for individuals: 0-800-500-546 Terms and conditions of retail lending for buying cars that were in use Lending currency | UAH | Maximum loan period | 60 months | Ìàêñèìàëüíà ñóìà êðåäèòó | 50 % of the vehicle cost | Security | Primary lending: pledge of a purchased vehicle Additionallending: according to the decision of the lending committee / Bank’s commission | Interest rate | As follows: | Loan term | Interest rate | Up to 12 months inclusive | 21.0 % per annum | Up to 36 months inclusive | 22.0 % per annum | Up to 60 months inclusive | 23.0 % per annum | One-time fixed payment | 1.99 % of the loan amount | Insurance | - full hull insurance; - civil responsibility insurance; - accident insurance. | Repayment schedule | monthly, by equal installments | Äîäàòêîâ³ óìîâè | The average annual car run should not exceed 30 000 km. The vehicle running period should not exceed 60 months at the moment of the loan agreement termination. | You may find more detailed information, having visited the nearest Bank’s outlet in your city. Outlet addresses
Hot line for individuals: 0-800-500-546 Documents to be provided to get a loan: - an application on reception of the loan and questionnaire of the Borrower (they are filled in the Bank);
- a passport of the Borrower, his wife/her husband (in case the Borrower entered into legal marriage);
- taxpayer identification number (in case the Borrower entered into legal marriage);
- reference on incomes for the last six months with indication of a position, work experience, details of the organization where the Borrower works, contact phones of heads and a chief accountant (an original).
- In case the Borrower is an individual-entrepreneur:
- copies of declarations on received incomes with a mark State Tax Inspection (reports of individuals-entrepreneurs on received incomes with a mark State Tax Inspection) for the last 4 accounting periods (if an individual-entrepreneur works less than 4 accounting periods from the moment of registration, report is to be presented for not less than 2 periods);
- a certificate on the state registration, a document on the type of taxation (a patent, certificate of a single tax payer - valid for the moment of loan reception);
- the record book of incomes and expenses (if there is such a book);
- a marriage registration certificate (in case the Borrower entered into legal marriage);
- a copy of the work record card certified by the employer’s stamp;
- a certificate of a child’s birth (if there are minor children);
- a certificate from the other bank on the Borrower’s debts by earlier received loans and on debt servicing (if there are outstanding loans at the moment of loan reception in JSB Kyivska Rus);
- driver’s licence;
- the other documents to be provided on the Bank’s request.
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