Financing

Affordable Loans of 5-7-9%

Basic terms of interest payment

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 Value
Interest rate

13% per annum, except for:

  • 9 % per annum for business entities conducting their core activities under all CTEA of Section C.
  • 9 % per annum for the reconstruction of fixed assets of business entities destroyed due to military aggression, as evidenced by relevant documents.
  • 3% per annum for business entities conducting economic activities in a high-risk war zone*.
One-time fee for granting a loan 1–1.5% of the loan amountм

*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.

Business-overdraft (automatic)

Parameter Value for all projects
1–30 days 20%
31–60 days 21%
61–90 days 22%
Agro clients 21%
Exceeding the allowed period of use of the Credit Double interest rate applied for the maximum term of the period of continuous use of the Credit
One-time commission for providing financing (% of the financing amount): 1%

Business-overdraft (standard)

Parameter Value for all projects
1–30 days 18%
31–60 days 19%
61–90 days 20%
Agro clients 19%
Exceeding the allowed period of use of the Credit Double interest rate applied for the maximum term of the period of continuous use of the Credit
One-time commissions for providing financing (% of the financing amount)
for secured transactions 0,25%
for unsecured transactions 1%

Credit line

Parameter Value
Interest rates in UAH (% per annum)**
Turnover 90 days variable - UIRD 3m + 0,5%
Turnover 180 days variable - UIRD 3m + 1%
Turnover 270 days variable - UIRD 3m + 1,25%
Turnover 365 days or more variable – UIRD 3m + 1,5%
Interest rates in USD (% per annum)
Turnover 365 days or more variable – UIRD 3m + 6,1%
Interest rates in EUR (% per annum)
Turnover 365 days or more variable – UIRD 3m + 5,4%
One-time fees (for the provision of a financial loan; for financial credit management (with an increase in the contract limit); for the management of a financial loan (with an increase in the term of use of the loan) (% of the financing amount)
for secured transactions 0.25%
for unsecured transactions 0.5%
Interest rates under the «Affordable loans 5-7-9%» program:
  • for investment purposes - 9% per annum with the possibility of reduction to 7% provided new job positions are created;
  • for replenishing working capital - 13% per annum, except for:
    • 3% per annum for business entities conducting economic activities in a high-risk war zone*.
    • 9 % per annum for business entities conducting their core activities under all CTEA of Section C.
    • 9% per annum for the reconstruction of fixedl assets of business entities destroyed due to military aggression, as evidenced by relevant documents.
Commission fee under the «Affordable loans 5-7-9%» program 1–1.5% (one-time payment) of the loan amount
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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.

**the margin amount is fixed per year and subsequently reviewed

Agriseason credit line

Parameter Value
Interest rates in UAH (% per annum) variable - UIRD 3m + 3%
One-time fee for providing financing (% of the amount) 0.5%

*the interest rate amount is fixed per year and subsequently reviewed

Loan on deposit

Parameter Value
Loan interest rates
Loan and deposit in the same currency +2.5% to the deposit rate
Loan and deposit in different currencies (EUR/USD; USD/EUR) +3% to the deposit rate
Loan in UAH, deposit in EUR/USD 17%
Fee
(for issuing a new loan/extending an existing agreement) 		0,1% (min UAH 100, max UAH 10,000)

Additional expenses of the loan recipient for processing the transaction

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

Parameter Value
Insurance of the pledged object (% of the cost, annually)
Light vehicles from 4.68% per year
Commercial vehicles from 1.77% per year
Trailers/semi-trailers from 1.32% per year
Agricultural machinery from 0.5% per year
Special equipment from 0.7% per year
Residential real estate from 0.16% per year
Commercial and office real estate from 0.17% per year
Equipment, office equipment from 0.17% per year
Goods in circulation from 0.24% per year
Land plots from 0.06% per year

Assessment of the property offered as a pledged object by an estimating entity

Residential real estate (apartments) UAH 1,600.00–2,500.00
Residential real estate (houses) UAH 2,800.00–4,000.00
Non-residential premises and buildings, including UAH 2,000.00–14,000.00 depending on the area
up to 100 sq. m UAH 2,000.00–3,500.00
100–200 sq. m UAH 3,500.00–4,000.00
200–500 sq. m UAH 4,000.00–5,000.00
500–1,000 sq. m UAH 5,000.00–7,000.00
1,000–2,000 sq. m UAH 7,000.00–9,000.00
2,000–5,000 sq. m UAH 9,000.00–14,000.00
5,000+ sq. m UAH 1.50–2.00/sq. m
Used light vehicles UAH 1,500.00–2,000.00
Used trucks and buses UAH 2,000.00–2,500.00
Production lines UAH 2,500.00+
Whole property complexes UAH 20,000.00+
Real estate objects located on a separate land plot, including UAH 8,500.00–24,000.00 depending on the area of the plot and the number of structures
up to 5 UAH 8,500.00–10,500.00
5–10 UAH 12,500.00–16,000.00
10–20 UAH 18,500.00–21,000.00
20+ UAH 24,000.00

Notarisation of the pledge (one-time)

Notary services UAH 1,500.00+
State duty 0.1% of the cost
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Leasing tariffs for medium and corporate clients

Basic tariffs

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% UIRD 3m+3%*
One-time fee for providing financing (% of the financing amount) 0,5%
*the margin amount is fixed per year and subsequently reviewed

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
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 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 documentary operations for medium and corporate clients

Guarantees within Ukraine

Guarantees opened by the bank
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 75,000.01–150,000.00 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
Type of service Tariff*
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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Letters of credit within Ukraine

Letters of credit opened by the bank
Type of service Tariff*
Granting the letter of credit 0.3% of the letter of credit amount (min UAH 1,500.00, max UAH 30,000.00)
Changing the terms of the letter of credit, cancellation of the letter of credit** UAH 1,000.00
For the obligation under an uncovered letter of credit (charged for all letters of credit, except for letters of credit under monetary security in the coverage account 2932/2952)*** - 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.
Letters of credit received by the bank
Type of service Tariff*
Advising on the letter of credit/changes to the terms of the letter of credit, including its cancellation** UAH 1,000.00
Confirmation of the letter of credit: with coverage in PrivatBank UAH 1,500.00
Confirmation of the letter of credit: uncovered*** No less than 5% per annum (min UAH 500.00 per month)
* All the tariffs are indicated without VAT.
** ** The fee is charged for each change, including early cancellations. If several changes are made at the same time, one fee is paid.
*** Payment under a letter of credit at the expense of the bank is the providing of a loan to a client on the terms specified in the general agreement on opening documentary letters of credit
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Promissory note transactions in Ukraine

Type of service Tariff
Cost of one promissory note bill (simple or transferable) UAH 150.00, incl. VAT – UAH 25.00
State duty in the amount of 0.1 of the non-taxable minimum income of citizens for each bill UAH 1.70

International letters of credit

Letters of credit provided by the bank
Type of service Tariff
Opening or increasing the amount of the letter of credit 0.2%
(min USD 100.00, max USD 2,000.00)
Payment under the letter of credit 0.15%
(min USD 100.00, max USD 1,000.00)
Fee for unsecured transaction obligations 2% per annum – secured by property rights to the deposit, government bonds or under counter-guarantees of other banks;
3% per annum – secured by property;
3.5% per annum – under other security or blank. At least USD 20.00 per month
Sending payment documents between banks According to the courier service rates
Amendment 50 USD
Letters of credit received by the bank
Advising on the letter of credit/increasing the amount 0.15%
(min USD 100.00, max USD 500.00)
Verification of documents under the letter of credit 0.2%
(min USD 100.00, max USD 1,000.00)
Confirmation of the letter of credit With coverage in PrivatBank – 0.15% (min USD 100.00, max USD 500.00).
Without coverage – from 2% per annum (at least USD 20.00 per month).
Sending payment documents between banks According to the courier service rates
Advising of amendment 50 USD
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International guarantees

Guarantees and stand-by letters of credit provided by the bank
Type of service Tariff
Granting or increasing the amount of the guarantee, stand-by letter of credit 0.3%
(min USD 100.00, max USD 1,500.00)
Fee for unsecured transaction obligations from 2% per annum – secured by property rights to the deposit, government bonds or under counter-guarantees of other banks;
from 3% per annum – secured by movable or immovable property;
from 3.5% per annum – under other security or blank.
At least USD 20.00 per month
Sending payment documents between banks According to the courier service rates
Amendment 50 USD
Guarantees and stand-by letters of credit received by the bank
Advising on guarantees, stand-by letters of credit, or inquiry on authenticity/increasing the amount 0.15%
(min USD 100.00, max USD 500.00)
Sending payment documents between banks According to the courier service rates
Advising of amendment 50 USD

International payment collection

Type of service Tariff
Processing of payment collection documents (for export payment collection – registration, change of terms, cancellation of collection orders; for import payment collection – acceptance and transfer of documents, transfer or return of payment documents for collection, advising on changes in the terms of collection orders (namely, cancellation), making settlement using collection) 0.15%
(min USD 100.00, max USD 500.00)
Sending payment documents between banks According to the courier service rates

Financing of international trade

Type of service Tariff
Term from several months to 1 year
Maximum amount 100% of the total contract amount
Contract amount no less than USD 100,000.00
Cost of financing It is determined in each individual case and depends on the current LIBOR/EURIBOR* rate. The security offered by the client and the history of cooperation are taken into account. * The EURIBOR or LIBOR rate is the seller's interest rate on the European and London Interbank Deposit Markets in EUR or USD, respectively.

Loan secured by domestic government loan operations

Parameter Value
Interest rate (% per annum) 17%*
One-time fees
or the provision of a financial loan 0,01%, min. 1000 UAH (% of the amount)
Additional commissions for documentary transactions accounting transfer operations due to the burden of the CPU with blocking/unblocking obligations, without VAT (by link)

*the interest rate amount is fixed per year and subsequently reviewed