solutions of an appraiser, one-time (average cost 2000 UAH)
insurance regarding the topic of home loan (for per year) – 0.3% of this appraised worth of housing.
life insurance coverage associated with the debtor – no
Early termination of this loan contract during the effort associated with the client can be done just with the total very early payment regarding the loan and all payments given to by the contract.
The best to end the mortgage contract within 14 calendar times through the date of the summary doesn’t use, since the satisfaction of responsibilities underneath the loan agreement is guaranteed because of the summary of notarized agreements (deals) (component 6 of Article 15 for the statutory law of Ukraine “On consumer financing”).
The bank has the right, in the cases provided for by the agreement, to demand early repayment of the loan (full early repayment of the loan) and compensation for losses caused by the violation of obligations if the client fails to fulfill its obligations under the loan agreement.
The financial institution is forbidden from requiring the consumer to buy any products or solutions through the bank or even a relevant individual being a mandatory condition for the supply of the solutions ( with the exception of the supply of a package of banking services).
The lender shall not have the ability to amend the agreements concluded with clients unilaterally, unless otherwise supplied by the contract or perhaps the legislation.
The opportunity is had by the client to will not receive marketing materials through remote interaction stations.
Warning about possible effects for the customer in the event of making use of the banking solution:
1. Penalty into the level of the discount that is double of this nationwide Bank of Ukraine, in place throughout the duration which is why the penalty is compensated, not significantly more than 15% of this quantity of belated re payment
2. Penalty when you look at the quantity of the discount that is double associated with National Bank of Ukraine in place through the period which is why the penalty is compensated, not significantly more than 15% for the quantity of belated payment
3. Penalty for breach by the debtor regarding the conditions associated with intended utilization of the loan – 25% for the quantity of funds useful for other purposes.
4. Penalty for:
not enough an insurance that is compulsory when it comes to topic regarding the home loan;
Failure to offer a whole package of documents and / or failure to summarize the required agreements are expected when it comes to issuance of financing;
non-compliance using the conditions of agreements determined with all the bank (credit, home loan)
acquiring loans off their banking institutions, providing guarantees, moving home as security / mortgage without prior written approval through the bank;
failure to alert the lender about alterations in personal information, email address, host to residence, workplace, position as well as other circumstances that could impact the satisfaction of responsibilities underneath the contract;
failure to produce the lender with informative data on home status and earnings in the way and terms specified within the loan contract;
refusal to settle the mortgage at the beginning of the situations specified within the loan agreement – 1% associated with the quantity of the issued loan for each breach.
Re Payment for expert assessment for the home become pledged carried out by among the appraisal businesses authorized by the lender
Re re Payment for acquiring of extract/extracts of State join of Movable Property Encumbrance
Re re Payment for getting of data from State join of Proprietary Rights for Immovable Property
re Payment for notary solutions linked to summary and gratification of home loan contract
Re Payment for state registration of home loan
re re Payment for state enrollment of encumbrance of name to your property that is immovablelimitation of alienation of mortgaged home)
Re Payment for state enrollment of home loan termination
re re Payment for state enrollment of termination of encumbrance of name into the immovable property (limitation of alienation of mortgaged home)
Re re Payment for obtaining f extracts of mortgage / encumbrance registration
Payment for getting of extracts of enrollment of home loan termination / encumbrance termination;
Insurance payment underneath the mortgaged property insurance coverage contract