For small-scale business

Crediting for purchasing non-residential housing resources

If you are a subject of entrepreneur activity and you want to buy a non-residential premises for widening and developing of entrepreneur activity.

PRAVEX-BANK offers a program of crediting for purchasing non-residential housing resources.

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

• Term of providing a credit - to 15 years (in foreign and national currencies) with right of preterm repayment.
• Percentage is paid from the 1^st to the 10^th day of every month.
• Adding of percentage is accomplished for a 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 13% a year in EUR;
• from 15% a year in USD;
• from 18% a year in UAH.

Guarantee on credit can be pawn of non-residential premises;

Conditions: bank provides a credit in size to 80% from evaluated price of item of mortgage.

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

• 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 an application about providing a credit

Documents from borrower 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 on mortgage of immovable property a bail is needed.

Documents from bail:

• Passport of property bail
• Certificate from STAU about conferment of identifying number to property 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 a recruited employee:
• certificate from the place of work;
• certificate about salary for the last 6 months

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!!!

•List of documents

On mortgage of immovable property:

• Right-ascertaining document for object of immovable property (Purchase contract, agreements of exchange, gift etc., certificates about right of property, decisions of the court etc, properly registered by Technical inventory bureau (further on - TIB).
• Certificate-characteristics from TIB (extract about registration of rights of property for immovable property, extract from docket of rights of property for immovable property)
• Certificate from Housing office about balance price of the flat.
• Certificate from Housing office about registered persons (form №3). As to the houses - a house book.
• Certificate from "Kyivenergo" ("Oblenergo") about condition of payment for electricity
• Certificate from Housing office about absence of indebtedness on payments for rent and public utilities.
• Technical passport on object of immovable property (inventory matter).
• Passport(-s) of owner(-s) on persons (for persons under 16 years old - birth certificate)
• Certificate from STAU about conferment of identifying number to all owners of the object of immovable property.

Documents on ground area:

• state act about right of property for ground area;
• in case ground area is not privatized - certificate from local council testifying that the ground area is not privatized;
• certificate from body of local council/committee on ground resources/corresponding regional division of ground resources about money evaluation of ground area;
• act(report) about conducting of independent expert evaluation of ground area;
• certificate from corresponding regional division or state (city of regional scale) administration (division) of ground resources of Goscomzem of Ukraine about limitations (burdens) on using a ground area - certificate is provided in case the ground is privatized;
• If necessary some other documents can be demanded.

•Rates of the Bank on drawing up a credit on mortgage of immovable property:

• For considering a blank - 80,40 UAH, incl. MPD
• For expertise of documents - 266,40 UAH, incl. MPD
• Services on conducting of evaluation of the object of pawn by a subject of evaluation activity, coordinated with the Bank, are accomplished according to rates of subject of evaluation activity.
• Notary services - according to individual rates of notary
• Cash desk servicing of credit operation - 1,5% of credit sum in national currency in accordance with settlement rate of the Bank.
• Insurance of the object of mortgage in insurance company, coordinated with the Bank - 0,3-0,8% (depending on rates of insurance company) from insurance sum.
• Commission for opening of loan account, according to rates of the Bank