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
  • 7 or 9% per annum – in the first quarter (depending on the amount of income received per group for the last reporting year).
  • From 5 to 9% per annum – from the next quarter (depending on the number of new jobs, reviewed quarterly)
Anti-crisis financing rate 3% per annum
Debt refinancing rate in other banks 0% per annum
One-time fee for granting a loan 1/1.5% (for existing businesses/startups)

Overdraft

Parameter Value
Standard projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Major projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Interest rates (% per annum)
1–3 days 12.5% 11.0%
4–7 days 13.0% 11.5%
8–15 days 13.5% 12.0%
16–30 days 14.0% 12.5%
more than 30 days (overdue) 28% 25%
One-time fees for providing financing (% of the financing amount)
for secured transactions 0.5% 0.25%
for unsecured transactions 1% 1%
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Overdraft under the offer

Parameter Value
for all projects
Interest rates (% per annum)
1–3 days 12.5%
4–7 days 13.0%
8–15 days 13.5%
16–30 days 14.0%
more than 30 days (overdue) 28%
One-time fee for providing financing is not charged

Credit line

Parameter Value
Standard projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Major projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Interest rates in UAH (% per annum)
Turnover 90 days 11.75% 10.25%
Turnover 180 days 12.75% 11.25%
Interest rates in USD (% per annum)
Turnover 90 days 4.0% 4.0%
Turnover 180 days 4.5% 4.5%
Turnover 270 days 5.0% 5.0%
Interest rates in EUR (% per annum)
Turnover 90 days 3.0% 3.0%
Turnover 180 days 3.5% 3.5%
Turnover 270 days 4.0% 4.0%
One-time fees for providing financing (% of the financing amount)
for secured transactions 0.5% 0.25%
for unsecured transactions 1% 1%
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Business Instalment loan

Parameter Value
Standard projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Major projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Interest rates in UAH (% per annum) 12.0% 10.5%
One-time fee for providing financing (% of the amount) 0.5% 0.25%

Agriseason credit line

Parameter Value
Standard projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Major projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Interest rates in UAH (% per annum) 12.0% 10.5%
One-time fee for providing financing (% of the amount) 0.5% 0.25%

Loan on deposit

Parameter Value
Standard projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Major projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Loan interest rates
Loan and deposit in UAH +2% per annum to the deposit rate
Loan and deposit in EUR/USD +3% per annum to the deposit rate
Loan in UAH, deposit in EUR/USD 10.5% per annum 10% per annum
No fee is charged for granting the loan

Guaranteed payments

Parameter Value
Standard projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Major projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Fee when paying at the expense of the bank 4% per annum (min UAH 5.00)
Calculated from the date of payment initiation to the date of payment execution.
Fee when paying at the expense of the client No fee
Interest rate when making a payment with credit funds 13% per annum
Calculated from the date of payment execution up to 30 days.
Fee for individual terms (% of the financing amount)
Secured transactions 0.5% 0.25%
Unsecured transactions 1% 1%

Loan under guaranteed inward payments

Parameter Value
Standard projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Major projects
Annual income of the company/group < UAH 500,000,000.00 Loan portfolio in the bank < UAH 30,000,000.00
Simplified terms and conditions
Interest rate 13% per annum
Individual conditions. Interest rate, % per annum
2–90 days term 12.0% 10.5%
2–180 days term 13.0% 11.5%
2–360 days term 14.0% 12.5%
Fee for individual terms (% of the financing amount)
For all transactions 1% 1%

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 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 Value
Basic interest rate on leasing programmes (% per annum) 11%
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
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 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) 0.2% of the amount of the guarantee/counter-guarantee (but not less than UAH 1,000.00 and no more than UAH 10,000.00)
Provision of an unsecured tender guarantee - UAH 1,700.00 (for a guarantee of up to UAH 75,000.00 included);
- UAH 2,500.00 (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 300.00 per month) – secured by property rights to the deposit.
- At least 4% per annum (min UAH 300.00 per month) – secured by movable/immovable property.
- At least 5% per annum (min UAH 300.00 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 on guarantees/counter-guarantees** 0.1% of the guarantee/counter-guarantee amount (but no less than UAH 500.00 and no more than UAH 5,000.00)
Advising on changes to the terms of the guarantee/counter-guarantee, including its early closure*** 500.00
* All the tariffs are indicated without VAT. Unsecured guarantee tariffs are applied to the partially covered guarantee.
** 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/changing the amount/term of the letter of credit 0.2% of the letter of credit amount (but no less than UAH 500.00 and no more than UAH 5,000.00)
Changing the terms of the letter of credit, cancellation of the letter of credit UAH 500.00
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 300.00 per month) – secured by property rights to the deposit.
- At least 4% per annum (min UAH 300.00 per month) – secured by movable/immovable property.
- At least 5% per annum (min UAH 300.00 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 500.00
Confirmation of the letter of credit: with coverage in PrivatBank UAH 800.00
Confirmation of the letter of credit: uncovered No less than 5% per annum (but not less than UAH 300.00 monthly)
* All the tariffs are indicated without VAT.
** The fee is charged for each change, including early cancellations.
*** The fee for payment under the letter of credit at the expense of the bank's funds is equal to the interest on loans for corporate clients approved by the Minutes of the CC of the bank's Management Board, effective on the date of signing the agreement on opening an uncovered letter of credit (paid under the terms of the agreement).
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Promissory note transactions in Ukraine

Type of service Tariff
Cost of one promissory note bill (simple or transferable) UAH 50.00, incl. VAT – UAH 8.33
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
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
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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
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

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.