Mortgage credit loans



  • Comfortable loan services;
  • Basic requirements for documents for confirming your income;
  • Possibility to postpone loan payment;
  • Interests on actual sum of the loan;
  • Prescheduled repayment of the loan without penalties and fees.
PJSC bank “ARCADA” offers mortgage loans to physical entities-residents that signed the Agreement for participation in the Construction Financing Fund and invested more than 20% from the total sq.meters of chosen apartment. Borrower is a person between 18-60 years old. The loan term is 30 years maximum (age of the borrower for the time of final loan payment cannot exceed 60 years).           



Object of financing Annual percentage rate depending on the chosen object location Expanses for loan arrangements
Kyiv 14% 1.25%  
Of the credit/loan amount – bank fee for credit/loan management (single payment))
0.325%  
  Insurance policy for a year - 0,325% of property value (annually), notary services (single payment – State fee - 0,01 % of property value), (independent property assessment in single payment– 1500 UAH.)  
Houses at the residential complex Nova Bogdanonivka 14% 0.75%  
Of the credit/loan amount – bank fee for credit/loan management (single payment))
0.325%  
  Insurance policy for a year - 0,325% of property value (annually), notary services (single payment – State fee - 0,01 % of property value), (independent property assessment in single payment– 1500 UAH.)  

Loan conditions

Loan can be rendered to a Borrower whose monthly loan payments don`t exceed 50% of his “net monthly income”.

Before offering a mortgage loan the Bank must verify the Borrower`s solvency.
To perform the above-mentioned, you must submit to the Bank the documents confirming the actual Borrower`s  income for the last 6 months (for individual entrepreneurs - for the last 12 months in a row).

To provide the guarantee of the return of the loan, interests payment and implementation of other obligations of the Borrower it is necessary to sign a Mortgage Agreement, the subject of which is the mortgage property rights to real estate under construction and actual real estate property after construction.

On the day of notary confirmation of the Mortgage agreement, the presence of both members of the couple is required for signing the written consent for the mortgage transfer.

Real estate in mortgage, in accordance with the Law of Ukraine" On Mortgage ", must be insured. The mortgage agreement is executed in the office of the Bank simultaneously with the Mortgage Loan Agreement ";.

The Borrower renders to the Bank power of attorney to receive the technical passport and title documents on real estate property from the Developer.

On the day of issuing a loan, the Borrower must pay cash to the Bank for payment of state fees, registration, notarial services, expenses for the periodic assessment of the pledged property and other expenses that arise in connection with the implementation of the terms of the Mortgage Loan Agreement and ensuring its implementation.

Until complete performance of conditions of the Borrower on the loan the Bank prohibits the alienation of the mortgage subject at the State Register of real estate property.

Loans are granted only after an affirmative decision of Credit and investment Committee of the Bank.

Requirements of JSC Bank "ARCADA" to insurance companies - partners of the bank

Requirements of JSC Bank "ARCADA" to notarial partners of the bank


Requirements of JSC Bank  "ARCADA" to the subjects of valuation activity - partners of the bank




amount of loan that you wish
Tip about the credit/loan amount

50 000
350 000
грн.
Period of loan (months)
Tip about the credit/loan term

1
360
months
Monthly payment (UAH): 0

variants for loan amortization
  • Before the building taken into use the Borrower pays monthly interests for the loan service;
  • After the building is taken into use the Borrower makes equal monthly repayments and pays the interests on the loan.
  • From the date of signing the loan agreement the Borrower makes equal monthly payments (loan and interests) for obligations of the loan. 

* — For loan objects in all regional branches and bank offices, loan amortization is realized in monthly equal payments from the date the loan contract was issued.
  • a certificate from the place of employment about the income earned during the last 6 months, signed by the head of the company and the chief accountant, sealed by the enterprise;
  • a tax authority certificate of the amount of taxes paid;
  • For individual entrepreneurs - annual tax return for the previous financial year and for the reporting date of the current year (not less than for the last 12 months in a row) ;
  • documents confirming the payment of fees, dividends;
  • civil contracts for the execution of works and the provision of services and documents confirming receipt of income for them;
  • documents confirming social benefits - pensions, alimony, etc. ;
  • property lease agreements and documents confirming receipt of income from them;
  • documents on the income received from the ownership of corporate rights;
  • deposit agreements and documents confirming receipt of income from them;
  • other reliable documents confirming the receipt of income from other sources.
  • Ukrainian national passport (or other document certifying a person and giving the right to conclude transactions in the territory of Ukraine
  • document issued by the State Tax Service, certifying the registration of a physical entity in the State Register of Natural Persons - taxpayers (taxpayer card / certificate of identification number
  • document confirming the place of residence or place of stay of an individual (provided in case of  the absence of a note on registration of the place of residence or stay in the passport
  • agreement on participation in the Fund for Construction Financing;
  • certificate of registration or dissolution of marriage (court decision on divorce
  • passport or other identity document,   document issued by the State Tax Service, certifying the registration of a physical entity in the State Register of Natural Persons - Taxpayers (taxpayer card / certificate of identification number) of the spouse;
  • documents, confirming ownership of other real estate, vehicles, securities and other assets of the Borrower;
  • documents confirming the Borrower's income received over the last 6 months (for individual entrepreneurs - for the last 12 months in a row).