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Pension program

You do not have to queue on at the post-office or to wait for your pension at home for the whole day — we offer you to receive pension at PRAVEX-BANK. You have just to address the Bank and you will be able to receive pension at any time and any point of Ukraine.

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Credits

If you are subject of entrepreneur activity and you need money for development of your business, opening of new direction of entrepreneur activity or widening of existing business, Pravex-Bank proposes the best solution of your financial questions.

PRAVEX-BANK proposes programs of individual crediting of subjects of entrepreneur activity on the security of existing property.

Credits are provided to individuals - citizens of Ukraine on the following conditions:

term of providing a credit - to 36 months (in foreign and national currencies) with right of preterm paying off
loan indebtedness on credit (credit line) is paid off in accordance with a schedule of credit repayment (Schedule of reducing crediting limit), fixed in credit agreement (agreement about opening of credit line)
percentage is paid from the 1^st to 10^th day of every month
adding of percentage is accomplished for calendar month on balance of indebtedness on the main debt taking into account actual number of days of using a credit
on getting a credit individual approach, efficiency and complete confidence are guaranteed to you

Percentage stake:

from 15% a year in EUR
from 16% a year in USD
from 20% a year in UAH.

Guarantee on credit can be:

pawn of immovable property (flat, house with ground area, non-residential housing);
pawn of movable property (cars to 3 years old).

Conditions:

Bank provides a credit in size of 50-70% of evaluated cost of subject of mortgage.

On issuing credits on mortgage of immovable property there are the following limitations:

on mortgage is not taken immovable property, owner of which is individual under 18 years old and individual older than 55 years (for women) and 60 years (for men)
flats and houses, where individuals under 18 years old and individuals older than 55 years (for women) and 60 years (for men) are registered, are not taken on mortgage
houses with ground area, separately situated building, if ground area under immovable property is not privatized, are not taken on mortgage

•List of documents for considering application about providing a credit

Documents from borrower of SEA:

Passport o borrower.
Certificate from psychoneurological dispensary testifying that borrower is not registered in psychoneurological dispensary.
Certificate from State tax administration of Ukraine (further on - STAU) about conferment of identifying number to borrower.
If borrower is registered as subject of entrepreneur activity:

certificate about state registration of individual-entrepreneur;
declaration about income for the last 6 months
certificate from STAU about absence of indebtedness to the budget.

Marriage certificate (if any)
Passport of spouse
Certificate from STAU about conferment of identifying number to spouse of borrower.
If spouse is registered as individual-entrepreneur:

certificate about state registration of individual-entrepreneur;
certificate from STAU about absence of indebtedness to the budget on obligatory payments.

On drawing up a credit a bail is needed on the security of immovable property.

Documents from bail:

Passport of bail
Certificate from STAU about conferment of identifying number to bail
If bail is registered as subject of entrepreneur activity:

certificate about state registration of individual-entrepreneur;
declaration about income for the last 6 months;
certificate from STAU about absence of indebtedness to the budget

Marriage certificate (if any)
Passport of spouse
Certificate from STAU about conferment of identifying number to spouse of borrower.
If bail is recruited employee:

certificate from the place of work;
certificate about salary for the last 6 months

If right of property for immovable property belongs to several persons, owners are property bails on the credit

Documents from property bails:

Passport of property bail
Certificate from STAU about conferment of identifying number to property bail
Marriage certificate (if any)

We pay your attention to the fact that we have individual approach to every client and we are ready to consider any non-standard situation!!!

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