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 23% per annum
One-time fee 0% (reduced starting from 05.10.2023 to 31.05.2024)
Entrepreneurial credit limit
Rate 2.125% per month, 25.5% per annum
Monthly fee (debited every 1st day of the month) 1,85% 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 Fixed rate

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.
23,5%
One-time fee 0% (reduced starting from 05.10.2023 to 31.05.2024)
Agriseason credit line
Rate Subject to participation in the "Affordable loans 5-7-9%" program Fixed rate

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.
22%
Fee 1–1.5% of the loan amount
Loan secured by a deposit
Rate ● +2,5% to the deposit rate (credit and deposit in UAH);
● +3% to the deposit rate (loan and deposit in EUR/USD);
● from 10% per annum without additional fees (loan in UAH, deposit in EUR/ USD) – for corporate business clients;
● 21% per annum (loan in UAH, deposit in EUR/USD) for micro business clients
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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

https://project.privatbank.ua/issue/2180837 + https://project.privatbank.ua/issue/2180838 + https://project.privatbank.ua/issue/2180839 +
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 14%
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% 23%*
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*
Provision of a guarantee/counter-guarantee (except for the unsecured tender guarantee and the unsecured guarantee for travel agents)** 0.3% of the amount of the guarantee/counter-guarantee (but not less than UAH 1,500.00 and no more than UAH 30,000.00)
Provision of an unsecured tender guarantee - UAH 2,000.00 (for a guarantee of up to UAH 75,000.00 included);
- UAH 3,000.00 (for a guarantee of UAH 75,000.00–150,000.00 included);
- 2% of the guarantee amount (for a guarantee in the amount of UAH 150, 000.01–1,000,000.00 included).
- 1.5% of the guarantee amount (for a guarantee in the amount of UAH 1,000,000.01+)
Granting/increasing the amount/extending the unsecured guarantee for travel agents for 1 year UAH 3,600.00
Changing the terms of the guarantee/counter-guarantee*** UAH 1,000.00
Guarantee/counter-guarantee obligation (charged for all guarantees, except for cash-secured guarantees in the coverage account 2932/2952, unsecured tender guarantees, and unsecured travel agent guarantees)**** - At least 3% per annum (min UAH 500.00 per month) – secured by property rights to the deposit.
- At least 4% per annum (min UAH 500.00 per month) – secured by movable/immovable property.
- At least 5% per annum (min UAH 500.00 per month) – under other security, except for the deposit/movable/immovable property, or without security.
Guarantees received by the bank
Advising of guarantee/counter-guarantee or amendment to guarantee/counter-guarantee, including its premature termination*** UAH 1000.00
* All the tariffs are indicated without VAT. Unsecured guarantee tariffs are applied to the partially covered guarantee.
** Tariff is applied for cash-secured guarantees in the coverage account 2932/2952 provided that the customer is: a) a legal entity with financial class 10, b) an enterpreneur with financial class 5, c) a newly created enterprise/enterpreneur without calculated financial class.
*** The fee is charged for each change. If several changes are made at the same time, one fee is paid.
**** Payment for the guarantee by the bank with the bank's funds is a loan to the client under the terms specified in the guarantee agreement.
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