Programme | Maximum amount of a loan/UAH | Term of lending (month) | Interest rate, % per annum, UAH | Loan repayment | One-off fixed payment, % of the loan amount |
Consumer loan for current needs | 25,000* | 3 | 20 | Monthly, by equal parts | 5 |
6 | 22 | 5 |
12 | 24 | 8 |
18 | 26 | 8 |
24 | 28 | 10 |
36 | 32 | 10 |
Pension | 15,000 | 3 | 15 | Monthly, by equal parts | 5 |
6 | 17 | 5 |
12 | 22 | 8 |
18 | 24 | 8 |
24 | 26 | 10 |
36 | 30 | 10 |
For household acquisition | 50,000 | From 3 up to 36 months | 27 | Monthly, by equal parts | 3 |
*It is necessary to present guarantee of a solvent individual in case the amount of loan totals UAH 15,000 or 25,000.
The Borrower and Guarantor should be 21 years old (up to 60) and not younger while taking a loan according to the Household Acquisition and the Consumer Loan for Current Needs Programmes.
The Borrower should be 65 years old and not older at the moment of loan repayment according to the Pension Programme. The Guarantor must be 21 years old (up to 60) and not younger.
Student Loan:
Maximum loan amount | Loan term | Interest rate |
up to UAH 10,000* | up to 12 months | from 17% per annum |
*in case the loan amount exceeds UAH 5,000, it is necessary to present guarantee of a solvent person.
Loan is issued without security!
Documents to be provided to get a loan:
- passport;
- ID;
- copy of a work record card;
- certificate of income;
- marriage certificate (if available), copy of the passport and ID of a husband/wife;
- contract-based education agreement.
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 natural persons- entrepreneurs on received incomes with a mark State Tax Inspection) for the last 4 accounting periods (if natural person- 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).
- For pensioners*:
- a certificate from the Pension fund on size of pension payments for the last 6 months;
- a copy of the pension certificate;
- 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);
- the other documents are to be provided on the Bank’s request.
* the Borrower should be 65 years old and not older at the moment of loan repayment.
The Guarantor presents the same list of documents.
