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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 |
| |
| 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? |
|---|---|---|---|---|---|
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 | starting from UAH 200,000 | |
| Rates in UAH | From 0.01%’* to 11% per annum | |
| One-time fee | 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 | starting from UAH 200,000 |
| Rate* | From 0.01%* to 11% per annum |
| Advance payment | From 20% of the cost of the leased item |
| One-time fee* | 0.5% of 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 | From 0.01%* to 11% per annum |
| Fee | 0.5% of 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:
|
| 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 3 years |
| Credit line amount | Credit line amount – From 100,000 to 50 000 000 UAH* | |
| 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 |
| |
| 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 |
|
| Validity period of the line (tranche) | Up to 5 years | Up to 3 years old |
|
| The amount of the line | From 100 000 UAH to 50 000 000 UAH | ||
| 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 31.12.2021 – postponement of the first payment for body payment (on request).
|
| Rate | 0% per annum - for the period of quarantine and restrictive measures, 3% per annum - 90 days after their cancellation | 0% per annum - until 31.03.2021, 3% per annum - from 01.04.2021 | |
| 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) |
| |
| * 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.
** 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.
