Credit Agricole Bank offers SVOBODA loan of up to UAH 500 000 in cash or to a payment card for any needs. In addition to that, the bank offers simplified terms of providing documents for the loans of up to UAH 50 000 for individuals. Possible loan period is from 1 months to 5 years at a fixed interest rate for the whole loan period.
A loan may be granted to individuals aged 25-59 years old with the length of service at the main place of work of at least 6 months and permanent source of income.
A loan may be granted for private entrepreneurs aged 25-59 years old.
The interest rate for an amount from UAH 1 000 to UAH 200 000 is 11% per annum for the customers of Credit Agricole Bank and 15% for other customers. For an amount from UAH 200 001 to UAH 300 000, the interest rate is 5% per annum for customers of Credit Agricole Bank and 9% for other customers.
While formalizing a SVOBODA loan, the borrower shall make a single-time life insurance payment from the loan amount equal to 4.6% for the amount from UAH 1 000 to UAH 200 000 and 2% for the amount from UAH 200 001 to UAH 300 000.
Monthly commission is 2,3% for the amount from UAH 1 000 to UAH 200 000 and 1,7% for the amount from UAH 200 001 to UAH 300 000.
Example of loan calculations:
The effective annual rate is from 41.93% (calculated for a loan from UAH 200 001 with a loan period of 5 years)
The actual value of the effective annual rate under the loan will depend on individual loan terms (loan amount, period, special conditions of a product, etc.).
In order to get a loan for individuals, the following documents are required: a Ukrainian citizen passport, identification code and income certificate for the past 6 months (for the borrowers requesting a loan in the amount up to UAH 50 000, simplified terms of providing documents are applied).
In order to get a loan private entrepreneurs, the following documents are required: a Ukrainian citizen passport, identification code and tax declarations for the last 2 years (if annual) or for the last 4 quarters (if quarter), an extract from the Unified State Register of Legal Entities and Private Entrepreneurs, an extract from the register of single tax payers.
Credit Agricole Bank does not cooperate with any intermediaries when granting cash loans. Agreements on loans granting are concluded in the Bank’s establishment only. Prior to obtaining a loan, no own funds are required to be paid (advance payments, insurance payments, etc.).
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