Financing

Loans to finance working capital

PrivatBank is a participant of the Affordable Loans of 5-7-9% state programme.

Product/Parameter Value
LUB (Loans to Ukrainian Business), AgriLUB, TourLUB
Rate 1.6% per month of the loan amount – for the first 6 months;
1.4% per month of the loan amount – for the next 6 months
Effective interest rate 34.46%
LUB (Loans to Ukrainian Business), secured
Rate Subject to participation in the «Affordable loans 5-7-9%» program Standard terms

For investment needs:

7% with the opportunity to reduce to 5%, except for 1% per annum for business entities providing economic activities in high-risk military zone*.

For replenishment of working capital:

13%, except 3% per annum for business entities providing economic activities in high-risk military zone*

For investment needs:

  • micro business – UIRD 3m + 7%;
  • small business – UIRD 3m + 6%.

For replenishment of working capital:

  • micro business– UIRD 3m + 3,5%;
  • small business – UIRD 3m + 2,5%.
One-time fee 0% (reduced until 31.12.2024)
1–1.5% depending on the business support program
Entrepreneurial credit limit
Rate 23.5% per annum
Monthly fee (debited every 1st day of the month) 0,85% of the amount of the maximum debt in the previous calendar
Fee for withdrawing funds from the Entrepreneurial credit limit in Ukraine and abroad, VAT excluded 4%
Fee for making a payment from a card with the Entrepreneurial credit limit, (except for payments in a retail network), VAT excluded 4%
Fee for transferring funds from the current account with the Entrepreneurial credit limit to any other accounts owned by the customer, or to any accounts of individuals (except for salary transfers to bank salary cards), VAT excluded 4%
Credit limit on the account
Monthly fee (debited every 1st day of the month) 0,3% of the amount of the maximum debt in the previous calendar month
There is a signed guarantee agreement There is no signed guarantee agreement
Rate 16.5% 34%
Overdue rate (from the 31st day of using the credit limit) 33% 68%
Fee for transferring funds within the credit limit from the client's current account to any accounts held by the current account holder themselves, or to any cards (with the exception of salary crediting to PrivatBank salary cards), as well as for the repayment of any loans 3%
Revolving credit line
Rate Subject to participation in the "Affordable loans 5-7-9%" program Standard terms

13% per annum, except for:

  • 3% per annum for business entities conducting economic activities in a high-risk war zone*.
  • 7% per annum for business entities conducting their core activities under all CTEA of Section C.
  • 7% per annum for the reconstruction of fixed assets of business entities destroyed due to military aggression, as evidenced by relevant documents.
 UIRD 3М+6%
One-time fee
  • 0% (for secured loans until 31.08.2024);
  • 1–1.5% depending on the business support program.
Loan secured by a deposit
Rate
  • 19% per annum (loan in UAH, deposit in EUR/USD) for micro business clients
Fee
(for issuing a new loan/extending an existing agreement)		 0,1% (min UAH 100, max UAH 10,000)
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*High-Risk War Zone - territories susceptible to combat operations as listed and approved by the Ministry of Reintegration, with no specified end date for combat operations, or territories where there have been no combat operations or occupation for less than one calendar year as of the date of entering into the credit agreement.

Capital investment loans

Product/Parameter Value
Investment loan (non-revolving credit line up to 5 years)
Rate 14%
One-time fee 1% of the loan amount
Loan for the purchase of fixed assets, including agricultural machinery
Rate For customers with revenue up to UAH 30 million: UIRD 3m + 6%.
One-time fee 1% of the loan amount
Insurance annually according to the tariffs of the insurance company accredited by the bank
Additional terms
Insurance of the pledged property According to the rates of the bank's insurance partner companies
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Leasing tariffs for SME and entrepreneurs

These conditions are valid for the registration of new transactions and are not the valid for revision of the terms of the concluded contracts.

Parameter Leasing 5-7-9% Standart leasing
Basic interest rate on leasing programmes (% per annum) From 5 to 9%
  • For customers with revenue up to UAH 30 million: UIRD 3m + 6%.
  • For customers with revenue over UAH 30 million: UIRD 3m + 5%.
One-time fee for providing financing (% of the financing amount) 0,5%
* The interest rate can be reduced under the existing partner programmes with suppliers of leased assets.

Additional expenses of the leasing recipient for processing the transaction

The prices are indicative. The final amount of expenses depends on the parameters of the leased assets and the tariffs of the partner companies.

Parameter Value
Insurance of the leasing object (% of the cost, annually)
Light vehicles from 4.45% per year
Commercial vehicles from 1.77% per year
Trailers/semi-trailers from 0.98% per year
Agricultural machinery from 0.38% per year
Special equipment from 0.6% per year
Registration with state bodies (one-time registration)
Agricultural machinery UAH 3,000.00
Vehicles UAH 1,500.00
Pension Fund duty (for light vehicles)
Cost up to UAH 346,830.00 3% of the price without VAT
Cost of UAH 346,831.00–609,580.00 4% of the price without VAT
Cost of UAH 609,581.00+ 4% of the price without VAT
Installing GPS trackers
(for light and commercial vehicles up to 3.5 tons)
Tracker cost + installation UAH 1,500.00 for 1 car
Assessment of the leased asset (one-time, indicative cost per unit)
Production equipment/td> UAH 1,925.00
Light vehicle UAH 1,540.00
Commercial vehicles UAH 1,925.00
Buses and minibuses UAH 1,925.00
Railway transport UAH 2,090.00
Agricultural machinery (self-propelled) UAH 1,925.00
Special equipment UAH 1,925.00
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Tariffs for transactions with guarantees in UAH for entrepreneurs

Type of service Tariff*
Providing a guarantee/counter-guarantee (except unsecured tender guarantee and unsecured guarantee for travel agents)* 0.3% of the guarantee/counter-guarantee amount (but not less than UAH 1,500 and not more than UAH 30,000)
Providing an unsecured tender guarantee - UAH 2,000.00(for a guarantee of up to UAH 75,000 inclusive);
- UAH 3,000.00 (for a guarantee of more than UAH 75,000 to UAH 150,000 inclusive);
- 2% of the guarantee amount (for a guarantee of more than 150,000 to 1,000,000 UAH inclusive).
- 1.5% of the guarantee amount (for a guarantee of more than UAH 1,000,000)
Providing/increasing the amount/extension the unsecured guarantees for travel agents for 1 year UAH 3,600
Increasing the amount/extension the guarantee/counter-guarantee (except for cash secured guarantees/counter-guarantees on the coverage account 2932/2952 and unsecured guarantees/counter-guarantees – for tenders and for travel agents)*** 0.3% of the guarantee/counter-guarantee amount in case of extension, or of the amount of the guarantee increase (but not less than UAH 1,500 and not more than UAH 30,000)
Amendments to guarantees/counter-guarantees under cash collateral on cover account 2932/2952 and tender guarantees/counter-guarantees without collateral, as well as other changes to other types of guarantees/counter-guarantees*** UAH 1,500
Guarantee/counter-guarantee management fee (charged for all guarantees except cash covered guarantees on coverage account 2932/2952, unsecured tender guarantees and unsecured travel agent guarantees)**** - 2% per annum (min. 500 UAH monthly) – secured by property rights to a deposit/counter-guarantee of another bank.
- 3% per annum (min. 500 UAH monthly) – secured by movable/immovable property.
- 3.5% per annum (min. 500 UAH monthly) – under security other than a deposit/movable/immovable property or without security.
* All tariffs exclude VAT. Unsecured guarantee rates apply to a partially covered guarantee.
** For cash secured guarantees in coverage accounts 2932/2952, provided that the client is: a) a legal entity with a financial status class of 10; b) an individual entrepreneur with a financial status class of 5; c) a newly created enterprise/individual entrepreneur without a calculated financial status, the tariff "Providing an unsecured tender guarantee" shall be applied.
*** A fee is charged for each change. In case of simultaneous introduction of several changes, one fee of the greater value is paid.
**** Payment under a guarantee using bank funds is the provision of a loan to the client under the guarantee agreement terms and conditions.
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