Loans tariffs

Terms

Development of entrepreneurship
Type of credit Nonrevolving credit line Revolving credit line
Validity period of a line (tranche) Up to 5 years Up to 2 years.
Credit line amount From 100,000 (maximum amount is not limited)*
Loan amount Up to 80% of the cost of investment project Up to 25% of the cost of investment project financed by credit funds - for expenses that are an integral part of such project implementation**
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 (depends on the number of new jobs, reviewed quarterly)
Compensation % from the state Monthly to the interest account
Delivery method Tranches to the supplier's account with control of compliance with the intended use Tranches to the borrower's account with control of compliance with the intended use
Schedule Equal parts or adaptive (deferral of the loan body repayment for farmers - up to 6 months, repayment of % - on the 1st day of each month). Turnover of tranches is 90/180/270 days (for farmers).
Repayment of % - on the 1st day of each month
Security for the loan Real estate/motor vehicles/agricultural machinery/equipment + guarantee of the physical person - the owner of the business (for legal entities) Real estate/motor vehicles/agricultural machinery/equipment + guarantee of the physical person - the owner of the business (for legal entities)
Fee 1%/1.5% (one-time, charged when a loan is issued) - for existing businesses / startups
Securing the principal debt from the state For startups
Obligatory conditions For startups: presence of a high-quality business plan (training is available under the program sme.gov.ua/579start)
* Максимальну суму кредиту не обмежено, але сума державної допомоги не може перевищувати екв. 200 000 євро за трирічний період на групу.
** Відновлювана кредитна лінія надається лише як доповнення до кредиту на інвестиційні цілі.

COOB

Get funds for development and scaling your business project

Rate Amount Receiving funds Collateral Repayment order Who can participate in the program?
  • 1.6% per month of the loan amount - first 6 months;
  • 1.4% per month of the loan amount - next 6 months

For the period from May 25 to December 31, 2020, the current rate will be reduced by 0.2% (for all agreements and for all clients, except for those in which credit holidays / debt restructuring agreements are or will be in force, as well as those who have overdue debt).

From 01.01.2021, the standard conditions under the current contract and / or standard conditions at the time of signing the agreement will apply. In case of overdue payments until 31.12.2020, the previous conditions are renewed on a permanent basis.

from UAH 50 000 to 1 000 000 To current account Non-collateral payments in equal parts Private entrepreneurs and legal entities

Leasing tariffs

Leasing of agricultural machinery (new and used)
Leasing of transport/special equipment (new and used)
Reverse leasing
Lease term from 12 to 60 months for domestically produced or imported agricultural machinery
Funding amount for SME clients – starting from UAH 200,000
for corporate clients – starting from UAH 1,000,000
Rates in UAH For SME clients – from 0.01%’* to 12% per annum, for corporate clients – from 0.01%* to 10.5% per annum
One-time fee For SME clients – 1% of financing amount;
for corporate clients – from 0.25% to 0.5% of financing amount
Pre-payment starting from 20% of the leased item cost
Payment schedule Seasonal, at least 2 times a year, payment of % – monthly
Insurance annually, according to the rates of insurance company accredited by the bank
Security for the loan 1) Leased equipment that is - based on the lease agreement;
2) guarantee
Client Leaseholder – business entity (legal entity/individual entrepreneur)
Lessee Legal entity / individual entrepreneur
Lease term From 12 to 60 months
Amount of financing for SME clients - from UAH 200 000;
for corporate clients - from UAH 1 000 000.
Rate* For SME clients - from 0.01%* to 12% per annum, for corporate clients - from 0.01%* to 10.5% per annum
Advance payment From 20% of the cost of the leased item
One-time fee* For SME clients – 1% of the financing amount, for corporate clients - from 0.25% to 0.5% of the financing amount
Payment schedule Monthly in equal installments
Insurance/td> Annually, according to the rates of an insurance company accredited by the Bank
Collateral The subject of leasing that is transferred to the lessee on the basis of the lease agreement; Suretyship.
* Depends on the terms of the partner agreement concluded with the transport/equipment supplier.
For corporate clients, the final decision on the rate and fees is made depending on the timing and volume of financing, cooperation on other bank products.
Passenger cars, minibuses up to 18 seats, cars with a load capacity of up to 1.6 tons.
Segment Legal entities and individual entrepreneurs (VAT payers)
Term From 12 to 60 months
Rate For SME clients – 12% per annum,
for corporate clients – 10.5% per annum
Fee For SME clients – 1% of the financing amount,
for corporate clients - from 0.25% to 0.5% of the financing amount
Amount From UAH 200 000
Advance payment 40-50% (offset of reciprocal liabilities is possible at the stage of signing the contract)
Collateral The leased asset, surety
Payment schedule Annuity, in equal parts, adapted
Requirements for the subject of leasing New and used agricultural machinery/equipment/commercial vehicles (including passenger cars)/special equipment/railway transport (attached agricultural equipment not included). At the end of the financial lease agreement, the age of the used leased item should not exceed 9 years
Insurance Required, according to the rates of insurance companies accredited by the bank
Assessment of the leased item Assessment of the leased item from licensed appraisers, except for new property purchased no more than 3 months ago under the purchase and sale agreement

Credit limit tariffs

The guarantee agreement is signed* The guarantee agreement is NOT signed
Setting the limit Free of charge
Amount:
for legal entities

for entrepreneurs
from UAH10 thousand to 2 million

from UAH10 thousand to 500 thousand
Monthly fee (debited every 1st day of the month) 0.3% of the maximum amount owed in the previous calendar month
Credit limit rate 16,5% 34%
overdue payment rate (from the 31st day of using the credit limit) 33% 68%
Commission for transferring funds from the client's current account at the expense of the credit limit to any accounts held by the current account holder, or to any cards (except for payroll transfers to PrivatBank's salary cards), as well as for repayment of any loans 3%
* Applies to state and municipal enterprises

Conditions*

Term 1-5 years
Rate from 5% per annum
Currency UAH
Funding amount from UAH 100 thousand
Pre-payment from 20% of the value of the purchased property
Purchased property commercial transport, agricultural machinery, special equipment
Payment schedule monthly in equal installments/payments, adapted (taking into account the seasonality of business)
Insurance annually according to the annually according to the insurance company accredited by the bank

* Depending on the client's financial condition and the specifics of the selected compensation program.

Terms and conditions of "Business mortgage"

Customer segment

small and medium-sized business clients:

  • legal entities;
  • individual entrepreneurs

Term

From 12 to 60 months

Rate

13% per annum

One-time fee 1% of the loan amount
Currency

UAH

Funding amount

from UAH 200,000 (up to 75% of a property value)

Pre-payment

from 25% of a property value

Payment schedule

annuity, repayment schedule adjusted considering the seasonality of the business

Insurance

annually, according to the rates of insurance company accredited by the bank

Loan conditions

Type of credit Revolving credit line with registration of urgent stages of financing
Term of the line/stage of financing (within the line) Up to 36 months/up to 12 months
Funding amount from UAH 500,000
Interest rate From 10.5% per annum for corporate business clients;
13% per annum for small and medium-sized business clients
Fee From 0.25 to 0.5% of financing amount for corporate business clients;
1% (one-time fee) of the financing amount for small and medium-sized business clients
Funding period From February to November (inclusive), within the calendar year
Principal debt repayment Flexible schedule, seasonally adjusted; loan repayment: December - 20%, January - 30%, February - financing stage full reduction to zero
Repayment of interest Monthly on the 25th day
Security for the loan Real estate, transport, agricultural machinery and equipment, integral property complexes, equipment

Tariffs

Entrepreneurship development
Anticrisis measure*
Type of credit Nonrevolving credit line Revolving credit line
Validity period of a line (tranche) Up to 5 years Up to 2 years
Credit line amount From 100,000 (maximum amount is not limited)*
Loan amount Up to 80% of the cost of investment project Up to 25% of the cost of investment project financed by credit funds - for expenses that are an integral part of such project implementation**
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 (depends on the number of new jobs, reviewed quarterly)
Delivery method Tranches to supplier's account with control of compliance with the intended use Tranches to the borrower's account with control of compliance with the intended use
Schedule Equal parts or adaptive (deferral of the loan body repayment for farmers - up to 6 months, repayment of % - on the 1st day of each month). Turnover of tranches is 90/180/270 days (for farmers).
Repayment of % - on the 1st day of each month
Security for the loan Real estate/motor vehicles/agricultural machinery/equipment + guarantee of the physical person - the owner of the business (for legal entities) Real estate/motor vehicles/agricultural machinery/equipment + guarantee of the physical person - the owner of the business (for legal entities)
Fee 1%/1.5% (one-time, charged when a loan is issued) - for existing businesses / startups
Securing the principal debt from the state For startups
Obligatory conditions For startups: presence of a high-quality business plan (training is available under the program sme.gov.ua/579start)
Goals Support of investment projects related to the production of medicines, medical devices, and medical equipment Replenishment of working capital without reference to the investment project expenses** Refinancing of existing debt on business loans in Ukrainian banks under 0%
Type of credit Nonrevolving credit line Revolving credit line
  • Nonrevolving credit line
  • Revolving credit line
Validity period of the line (tranche) Up to 5 years Up to 2 years old
  • Up to 5 years – for non-renewable lines.
  • Up to 3 years – for renewable lines
The amount of the line From 100 000 UAH
The maximum amount is not limited***
Delivery method Tranches to the supplier's account with control of compliance with the intended use In tranches to the borrower's account Changing the terms of the current loan agreement and/or providing a new loan to repay the previous one
Loan amount Up to 80% of the investment project cost 100% of the request 100% of the request.
Refinances:
- the amount of the balance on the non-renewable line;
- amount of the limit on the renewable line
Chart Equal parts or adaptive (deferred payment of the loan body for farmers-up to 6 months, Repayment of% - monthly on the 1st day) The turnover of tranches is 90/180/270 days (for farmers).
Repayment of% - monthly on the 1st day
Until 31.12.2020 – postponement of the first payment for body payment (on request).
  • Equal parts / adapted schedule (for farmers) - for non-renewable lines.
  • Reset every 90/180/270 (for farmers) of the days for revolving credit lines
Rate 3% 0%
Compensation period % Up to 5 years Up to 2 years Until 31.03.2021
Provision Real estate/motor vehicles/agricultural machinery/equipment + guarantee of the physical person – the owner of the business (for legal entities)
Compensation % from the state Monthly to the interest account
Securing the principal debt from the state For startups Not provide
Commission 1% / 1.5% (one-time when issuing a loan) - for existing businesses/startups 1% on a one-time basis when issuing a loan
Obligatory condition For startups: having a high-quality business plan (you can complete the training program sme.gov.ua/579start)
  • Annual income from operations per group is not more than EQ. 10 million euros.
  • Saving at least 60% of the employee compensation Fund (compared to 01.03.2020).
  • Maintaining the average number of employees at the level of at least 80% (compared to 01.03.2020).
  • The absence of problem debts on the loan for 01.03.2020

* The anti-crisis business support package was introduced for the duration of the quarantine or restrictive measures and within 90 days from the date of its (their) cancellation in order to minimize and overcome the negative consequences on the development of small businesses in Ukraine due to the need to introduce quarantine measures to prevent the spread of COVID-19

** Confirming the impact of the COVID-19 pandemic on business activities in accordance with the purpose of sub-paragraph 2 of paragraph 4 of the Procedure.

*** The maximum loan amount is not limited, but the amount of state aid cannot exceed EQ. 200,000 euros for a three-year period per group

"Warm" loans for apartment building co-owners associations and housing cooperatives

Terms and conditions of loans

term up to 7 years
Currency UAH
Amount from 10 000 UAH (no advance payment)
Repayment procedure equal payments
during the first 3 months, only interest is repaid
Rate up to 15.5% per annum
Collateral unsecured
Special features receiving compensation from the state for a part of the loan amount - up to 40% of the loan cost (for associations and cooperatives that have recipients of subsidies as owners - from 40% to 70%)
Show all

Entrepreneurial credit limit

Terms and conditions of crediting

Determining limit Free of charge
Amount up to UAH 100 000
collateral - unsecured
Grace period 55 days (until the 25th day of the following month)
Monthly fee (debited every 1st day of the month) 0.3% of the amount of the maximum debt in the previous calendar month (for the period from 25.05.2020 to 31.12.2020)
Credit limit rate 2.125% per month
Monthly payment 10% of the debt at the end of previous month
Fee for transfer of funds from the credit funds on the client's current account to any accounts owned by the current account holder or to any cards (except for salary crediting to PrivatBank's salary cards), and for repayment of any loans 4%

Guaranteed payments

Тariffs

For the payee free of charge
For the payer:
Payments from the bank's funds 4% per annum (min UAH 5)*
Payment from the client’s funds** free of charge
* Calculated from the date of payment initiation to the date of payment execution.
** If the payment is made using client’s own funds, the funds are debited from the client’s current account on the day the guaranteed payment is created.

Tariffs “Loan for incoming guaranteed payments”
Loan for incoming guaranteed payments is a loan provided by a bank to a client in the presence of incoming guaranteed payments, which are sent to his address on a bank account. In fact, the service allows you to receive an incoming guaranteed payment before its execution date. Interest (remuneration for using a loan): from 10.5% per annum, but not less than UAH 100. Additionally: if the loan is provided on individual terms, a one- time commission is paid in the amount of 1% of the amount of the received financing. How to get a loan against incoming guaranteed payments:
Step 1. Sign the application for joining the "Terms and Conditions of Banking Services" (offer) in "Privat24 for Business" with an electronic digital signature.
Step 2. Draw up a tranche of the loan in Privat24 for Business. It is possible to issue a loan under the conditions:
● incoming guaranteed payment has been issued to an account in PrivatBank;
● the deadline for its execution not less than in 2 days and not more than in 365 days;
● there are no restrictions on lending to the client.