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Loans to individuals

JOINT-STOCK COMPANY INTERNATIONAL INVESTMENT BANK offers a possibility of financing in the local currency depending on individual customer requirements.
Lending conditions at JSC IIB are absolutely transparent, there are no charges for an early repayment, hidden charges or any other additional fees.
JSC IIB (hereinafter referred to as the «Creditor») concludes consumer credit agreements in accordance with the requirements of the Law of Ukraine «On Consumer Crediting» №1734-VIII of 15.11.2016, which defines the general legal and organizational basis for consumer lending.
A consumer loan is money that is provided to the Consumer (the Borrower) for the purchase of goods (works, services) to meet needs that are not related to entrepreneurial, independent professional activity or performance of duties of an employee.
Before entering into a consumer loan agreement, the Consumer (the Borrower) must independently familiarize himself with information on available, possible credit schemes from the Lender that are placed either in the premises where customer service is provided or on the Bank's official website: www.ii-bank.com.ua.
Before concluding a consumer loan agreement, the Consumer (Borrower) is familiar with the information necessary to compare the various offers of the Lender, which will enable the Consumer (the Borrower) to correctly assess all the advantages and risks of concluding such an agreement, the subsequent costs of the contract that will be borne by the Consumer (the Borrower) In order to make a reasoned decision on the conclusion of the relevant agreement. Such information in JSC IIB is provided to the Consumer (the Borrower) under the signature of a special form - «Passport of consumer credit», which includes information specified in part 3 of Article 9 of the Law of Ukraine «On Consumer Crediting».
JSC IIB does not cooperate with Credit intermediaries and provides consumer loans without the participation of credit brokers or lending agents.
Today the Bank offers the following types of loans to individuals:
Consumer lending
A loan is given cash (through the Bank's cash desk) or by bank transfer, by transfer of funds from the loan account to the bank (current) account of the Borrower in JSC IIB. Terms and conditions lending conditions are determined by the Bank to meet the needs and financial conditions of a Borrower, the purpose of a loan. An obligatory conditions for granting credit funds is the provision of a collateral (a collateral coverage ratio: from is 200%), guarantees of third parties, availability of official sources of a loan repayment and interest.
Loans are granted under the terms of a monthly loan repayment and interest. For repayment of a loan the annuity payment and payments in equal installments may be used. Consumer loans allow a Borrower to get cash to meet only the needs of your own needs.
Main advantages:
  • no monthly commissions;
  • fixed interest rate for the entire loan period.
In case a deposit with JSC IIB is provided as collateral for a loan, a maximum loan size is limited to the amount of such deposit: not more than the deposit amount, reduced by the amount of interest on the loan for one month lending (loans and deposits in are in the same currency). Maximum term of a loan is equal to that of a deposit: one day shorter than the term of the bank deposit agreement.
A loan allows a Borrower to obtain funds to cover his/her current financial needs, avoiding an early termination of a deposit agreement with the loss of an interest amount. The advantage of these loans is a simplified loan procedure, quick decision-making on a loan (up to 1 day).

Mortgage lending
A mortgage loan is granted in the national currency to purchase real estate. A loan size, a loan period, a repayment schedule are determined based on the needs of a Borrower based on his/her creditworthiness, financial state, purpose of a loan, availability of collateral and other individual characteristics of a loan project. Loans are granted only under the terms of a monthly loan and interest repayment.
For repayment of a loan the annuity payment and payments in equal installments may be used. An obligatory condition of funding is the notarization of a mortgage agreement (a collateral coverage ratio is from 100%), third party surety, real estate, life insurance, availability of official sources of a loan repayment and interest.

Loans for purchase of cars
Loans for purchase of new vehicles
A Borrower depending on his/her financial capability may choose any loan program, interest rate depending on the amount of a down payment with a Borrower's own funds and a loan period. The smaller is the period of a loan agreement, the lower is the interest rate of a loan.
Loan funds via bank transfer are credited to a current account of a Borrower followed by a transfer to a bank account of a seller of a vehicle. Loans are granted only under the terms of a monthly loan and interest repayment.
For repayment of a loan the annuity payment and payments in equal installments may be used.
An annuity form of payments means equal amounts of monthly repayments, when a Borrower pays the same amount each month, part of which goes to the repayment a loan and the rest to the payment of interest. This form of a loan repayment is very convenient because it reduces the burden on a family budget at the beginning of a loan repayment plan and monthly costs during the entire loan term.
Mandatory conditions of a loan are notarization of a vehicle collateral agreement, insurance «KASKO», availability of official sources of a loan repayment and interest.

Loans for purchase of used vehicles
The bank provides loans for the purchase of used foreign cars, for the term not exceeding 3 years. Loans are granted only on the basis of a monthly loan repayment and interest. The maximum loan amount per Borrower is 100.000,00 (One hundred thousand) UAH, but not more than 50% of the market value of the vehicle (including VAT). Advance payment of the Borrower's own funds is at least 30% of the market value of the vehicle (including VAT). Form of repayment used is annuity.
Main advantages:
  • no monthly commissions;
  • fixed rate for the entire term of the loan.
The rate is fixed for the entire loan term.
Thus a car becomes more affordable to people willing to buy a car without having a full amount of its cost. A loan allows a Borrower with a minimum advance payment to obtain a required amount to purchase a vehicle.

Revocable revolving credit line to individuals for salary payment cards VISA International
Revocable revolving credit line is available to the Borrower in the national currency in one or more parts from the date of the loan Agreement during the term of the Loan by transferring the means from the Bank loan account to the current account opened for transactions using payment cards VISA - loan under liquid collateral acceptable to the Bank for any purpose.
The maximum loan amount per Borrower will be:
  • in the amount not exceeding 1-fold amount of net monthly income of an employee, calculated as the average of the last 6 months preceding the date of the decision on a loan.
Repayment of accrued interest is executed automatically on a monthly basis against wage earnings or own funds. Surety of the third parties stands as security: wife/husband – mandatory; employer; аnother solvent person - if necessary. Revocable revolving credit line allows a Borrower to make operations with his own card for the required amount within the limit, paying interest only for the actual money spent, without a prior approval from the Bank.

Revocable revolving credit line to individuals with pension payment cards VISA International
Revocable revolving credit line provided to Borrowers in local currency in one or a few parts since the date of the loan Agreement during the term of the Loan by transferring the funds by the Bank from the loan account to the current account opened for transactions using payment cards VISA is the loan with liquid collateral acceptable to Bank for any purpose.
The maximum loan amount per Borrower will be:
  • in the amount not exceeding a single monthly pension transferred to the payment card VISA, calculated as the average of the last 6 months preceding the date of the decision on the loan.
Repayment of accrued interest is executed automatically on a monthly basis against pension earnings or own funds. Surety of the third parties stands as security: wife/husband – mandatory; anothe solvent person - if necessary. Revocable revolving credit line allows a Borrower to make operations with his own card for the required amount within the limit, paying interest only for the actual money spent, without a prior approval from the Bank.

The decision on a loan is made with a consideration of a financial and property status of a Borrower, his/her customer and credit history, income information and business reputation, adequacy and liquidity of collateral to ensure a repayment.

For more information on loans please contact the Retail Lending Department of the Bank at 16 Lavrska St., Kyiv, or branches of JSC IIB.

Current banking law requires from the Ukrainian banks to cooperate with information offices that accumulate information on credit operations of the banks. These are credit bureaux. Pursuant to the requirements of the National Bank of Ukraine OJSC IIB signed a contract with The First Credit Bureau of Ukraine. Existing contract allows the Bank to communicate with FCBU on credit operations that carry a certain credit risk.

 

Natalia D. Drezdova
Head of Private Lending Department
Phone:   0 44 351 79 36
0 44 593 74 99 (ext. 1136)
Fax:    0 44 351 79 37
Email:   Natalya.Drezdova@ii-bank.com.ua

Olena I. Popovich
Senior specialist of Private Lending Department
Phone:   0 44 351 79 34
0 44 593 74 99 (ext. 1134)
Fax:    0 44 351 79 37
Email:   Olena.Popovich@ii-bank.com.ua

Rate of exchange at the Cash desk of the Head Office as of:
09:00 18.09.2019
  Currency   buy     sale  
  USD 24,600 24,750
  EUR 27,150 27,500
  GBP 29,900 30,700
  CHF 24,400 25,100
  RUR 0,330 0,400
  NBU
  USD 24,7645
  EUR 27,3054
  GBP 30,7448
  CHF 24,9000
  RUR 0,3862
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