About Bank
Services
For Corporate Customers
For Private Clients
Cash management
Deposits
Loans
Lease of safe-deposit boxes
Payment cards
Commemorative and jubilee coins
International money transfer systems
The bank metals
Currency exchange
Card to Card payments
Payment for utilities
Visa Offers
For Banks and Financial Institutions
Maintenance of accounts of pensioners
News & Press
Information on the Deposit Guarantee System
Career
Protection of personal data
Bank`s non-balance branches
ATM network
Contact information
Appeals of citizens
Know Your Rights


Visa offers Visa offers
Card to Card payment
communal Payment for utilities
Corporate deposits
Private deposits
Lease of safe-deposit boxes

Bank`s partners

S.W.I.F.T., UkrSWIFT Association
State Mortgage Institution

Loans

JSC IIB offers the possibility of lending in national currency depending on the individual requirements of the Clients.
Credit conditions in JSC IIB are absolutely transparent. There are no commissions for early repayment of the loan, hidden commissions and other payments.
JSC IIB (hereinafter referred to as the «Bank») concludes consumer lending agreements in accordance with the requirements of the Law of Ukraine "About Consumer Lending" No. 1734-VIII from 15.11.2016 (with changes and additions), which defines the general legal and organizational principles of consumer lending.
Consumer lending is the amount of money provided to the Consumer (the Borrower) for the purchase of goods (works, services) to meet the needs, not related to entrepreneurial, independent professional activity or performance of duties of a hired employee.
According to the requirements of the regulation on information support by banks for customers regarding banking and other financial services, approved by the resolution of the Board of the NBU dated 28.11.2019. №141 (as amended), information on the essential characteristics of the consumer lending service for each of the current Products of JSC IIB is posted below. Besides, information about the appearance in the Bank of the products of the loan will be distributed among the primitives, so that the customer service will be available.
Before concluding of the Consumer Lending Agreement, the Consumer (the Borrower) is acquainted with the information about available credit products necessary to compare the various offers of the Bank, which will allow the Consumer (the Borrower) to assess correctly all the benefits and risks of entering into such an agreement, the subsequent costs of the Contract, that will take the Consumer (the Borrower), in order to make a reasonable decision about the conclusion of the relevant contract.
Information on agreed lending conditions is provided by the Bank before concluding a loan agreement is provided to the Consumer (the Borrower) under the signature in a special form - "Consumer Lending Passport", which includes the information specified in Part 3 of Article 9 of the Law of Ukraine "About Consumer Lending".
The fixed fee for granting a loan is determined by the decision of the Credit Committee of the Bank / Credit commission of the branch.
JSC IIB does not cooperate with credit intermediaries and provides consumer loans without the participation of lending brokers or lending agents.

The Bank offers the following types of lending to individuals:
  • Consumer lending;

PRODUCT

Loan amount (UAH),
minimum / maximum amount
Maximum Loan
term (inclusive)
Fixed interest
Rate (% per year)
«Spozhyvchyy credit»
(retail secured lending)
From 30,000.00 to 1,500,000.00 but not more than 50% of the market value of the mortgaged property (including VAT)
to 36 months
from 23% to 26%
List and cost of accompanying services of the Bank and third parties, including the amount of payment and the basis of its calculation (if any):
  • The loan fee may be set by the decision of the Credit Committee of the Bank / Branch Credit Commission.
  • Borrower's life insurance: 0.36% of the loan amount.
  • Collateral insurance: 6.0% for the vehicle; 0.09% for real estate.
  • Valuation of mortgaged property: UAH 550.00 for one vehicle; UAH 650.00 - UAH 1,100.00 hryvnias for one real estate object.
  • Notary services: UAH 3,500.00 to pledge the vehicle; UAH 6,000.00 to pledge real estate.
«Credit«Privatnyy»»
(secured by property rights to deposit)
Depends on the terms of the deposit, its term and amount:
The maximum loan amount is limited to the deposit amount if currencies of the loan and the deposit match. If the currencies do not match, the loan amount can be up to 90% of the deposit amount
One day less than the term of the bank deposit agreement
Established by the decision of the Credit Committee of the Bank / Credit Commission of the branch
List and cost of accompanying services of the Bank and third parties, including the amount of payment and the basis of its calculation (if any):
  • The loan fee may be set by the decision of the Credit Committee of the Bank / Credit Commission of the branch.
«Spozhyvchyy +»
(retail lending without security)
From 5,000.00 to 50,000.00
to 36 months
from 29% to 33%
List and cost of accompanying services of the Bank and third parties, including the amount of payment and the basis of its calculation (if any):
  • Loan fee: 8% of the loan amount (one-time).
  • Borrower's life insurance: 0.36% of the loan amount.
«Finansova pidtrimka»
(retail secured lending)
From 30,000.00 to 300,000.00 but not more than 50% of the market value of the mortgaged property (including VAT)
to 36 months
from 21%
List and cost of accompanying services of the Bank and third parties, including the amount of payment and the basis of its calculation (if any):
  • Loan fee: 2% of the loan amount (one-time).
  • Borrower's life insurance: 0.36% of the loan amount.
  • Collateral insurance: 6.0% for a vehicle, 0.09% for real estate.
  • Valuation of mortgaged property: UAH 550.00 for one vehicle; UAH 650.00 - UAH 1,100.00 for one real estate object.
  • Notary services: UAH 3,500.00. to pledge the vehicle; UAH 6 000.00 to pledge real estate/

 

  • VISA International Credit Cards Lending;

PRODUCT

Loan amount (UAH),
minimum / maximum amount
Maximum Loan
term (inclusive)
Fixed interest
Rate (% per year)
«Credit kartkovyy»
VISA International
revocable recovery credit line (overdraft)
From 30,000.00 to 250,000.00 but not more than 50% of the market value of the mortgaged property (including VAT)
to 364 days
from 38%
List and cost of accompanying services of the Bank and third parties, including the amount of payment and the basis of its calculation (if any):
  • Loan fee: UAH 500.00.
  • Borrower's life insurance: 0.36% of the loan amount.
  • Collateral insurance: 6.0% for the vehicle; 0.09% for real estate.
  • Valuation of mortgaged property: UAH 550.00. for one vehicle; UAH 650.00 - UAH 1,100.00 for one real estate object.
  • Notary services: UAH 3,500.00. to pledge the vehicle; UAH 6,000.00 to pledge real estate.
«Credit «Zruchyy»»
VISA International
revocable recovery credit line (overdraft, salary project without security)
The maximum amount of the Loan per Borrower is set in an amount not exceeding the amount of one net monthly income of the employee after tax, calculated as the average value for the last 6 months preceding the date of the decision to grant the Loan.
The maximum amount of total debt per Borrower, taking into account all credit obligations issued for this Product and Products: «Spozhyvchyy +», «Кредит «Pensiynyy»» (VISA International) shall not exceed 50,000.00.
to 364 days
from 38%
List and cost of accompanying services of the Bank and third parties, including the amount of payment and the basis of its calculation (if any):
  • Loan fee: UAH 500.00.
  • Borrower's life insurance: 0.36% of the loan amount.
«Credit «Pensiynyy»»
VISA International
revocable recovery credit line (overdraft, without security)
The maximum amount of the Loan per Borrower is set in the amount not exceeding one monthly pension payment to the VISA International payment card, calculated as the average value for the last 6 months preceding the date of the decision to grant the Loan.
The maximum amount of total debt per Borrower, taking into account all credit obligations issued for this Product and for the Products: «Spozhyvchyy +», «Credit «Zruchyy»» (VISA International) shall not exceed 50,000.00.
to 364 days
from 38%
List and cost of accompanying services of the Bank and third parties, including the amount of payment and the basis of its calculation (if any):
  • Loan fee: UAH 500.00.
  • Borrower's life insurance: 0.36% of the loan amount.

 

  • Vehicle purchase lending;

PRODUCT

Loan amount (UAH),
minimum / maximum amount
Maximum Loan
term (inclusive)
Fixed interest
Rate (% per year)
«AUTO v credit»
(purchase of new vehicles)
- except for brands of CIS countries, China, India, Iran
From 100,000.00 to 1,500,000.00 but not more than 85% of the market value of the mortgaged vehicle (including VAT)
to 60 months
from 20% to 23%
- domestic production and CIS countries, China, India, Iran
From 100,000.00 to 1,500,000.00 but not more than 70% of the market value of the vehicle (including VAT)
to 36 months
from 21% to 23%
List and cost of accompanying services of the Bank and third parties, including the amount of payment and the basis of its calculation (if any):
  • The loan fee may be set by the decision of the Credit Committee of the Bank / Credit Committee of the branches.
  • Borrower's life insurance: 0.36% of the loan amount.
  • Collateral insurance: 3.5% of the market value of the collateral.
  • Notary services: UAH 3,500.00.
  • Settlement and cash service: UAH 500.00 - UAH 1,000.00.
  • The fee to the Pension Fund at the first state registration of a car (calculated taking into account the subsistence level for able-bodied persons and the cost of the car) is: 3% - 5%.
The pension fee is paid once only at the first state registration of the car.
«AUTO v credit – druhe zhittya»
(purchase of a used vehicle)
From 50,000.00 to 200,000.00 but not more than 50% of the market value of the mortgaged vehicle (including VAT)
to 36 months
from 25%
List and cost of accompanying services of the Bank and third parties, including the amount of payment and the basis of its calculation (if any):
  • The loan fee may be set by the decision of the Credit Committee of the Bank / Credit Committee of the branches.
  • Borrower's life insurance: 0.36% of the loan amount.
  • Collateral insurance: 6.0% of the market value of the collateral.
  • Valuation of mortgaged property: UAH 550.00. for one vehicle.
  • Notary services: UAH 3,500.00.
  • The fee to the Pension Fund at the first state registration of a car (calculated taking into account the subsistence level for able-bodied persons and the cost of the car) is: 3% - 5%.The pension fee is paid once only at the first state registration of the car.
Insurance of the vehicle under the “full CASCO” program for the entire term of the loan agreement.

 

  • Mortgage lending.

PRODUCT

Loan amount (UAH),
minimum / maximum amount
Maximum Loan
term (inclusive)
Fixed interest
Rate (% per year)
«Vtorynna Ipoteka»
(financing the purchase of residential real estate in the secondary housing market)
From 100,000.00 to 2,500,000.00 but not more than 60% of the market value of the mortgaged real estate (including VAT)
to 60 months
from 20% to 24%
List and cost of accompanying services of the Bank and third parties, including the amount of payment and the basis of its calculation (if any):
  • The loan fee may be set by the decision of the Credit Committee of the Bank / Credit Commission of the branch.
  • Borrower's life insurance: 0.36% of the loan amount.
  • Collateral insurance: 0.09% of the market value of the collateral.
  • Valuation of mortgaged property: UAH 650.00 - UAH 1,100.00 for one real estate object.
  • Notary services: UAH 6,000.00.
  • Settlement and cash service: UAH 500.00 - UAH 1,000.00.
  • When drawing up a contract of sale of real estate, the buyer pays a fee to the Pension Fund: 1% of the transaction amount.
Advance payment of the Borrower with own funds on a mortgage loan - not less than 40% of the market value of housing. The down payment of own funds may be reduced provided that another liquid collateral acceptable to the Bank is provided additionally.
It is possible to renew the credit limit, within the total amount that has been repaid since the loan was granted. The purpose of the new tranches is to improve real estate (repair).

 

  • Loan for the purchase of agricultural land.

PRODUCT

Loan amount (UAH),
minimum / maximum amount
Maximum Loan
term (inclusive)
Fixed interest
Rate (% per year)
Loan for the purchase of agricultural land
(financing the purchase of agricultural land)
From 30,000.00 to 2,500,000.00 but not more than 70% of the market value of the mortgaged real estate (including VAT)
to 120 months
from 14% to 23%
List and cost of accompanying services of the Bank and third parties, including the amount of payment and the basis of its calculation (if any):
  • The loan fee may be set by the decision of the Credit Committee of the Bank / Credit Commission of the branch.
  • Borrower's life insurance: 0.36% of the loan amount.
  • Collateral insurance: 0.07% of the market value of the collateral.
  • Valuation of mortgaged property: UAH 930.00 - UAH 1,580.00 for one real estate object.
  • Notary services: UAH 6,000.00.
  • Settlement and cash service: UAH 150.00 - UAH 1,000.00.

 

CRDEIT CALCULATOR

 

The decision to grant a loan will be taken on the basis of financial and property status of the Consumer (the Borrower), his client and credit history, income information (availability of official sources of repayment, accrued interest) and reputation, sufficiency and liquidity provision to repay the loan.
The Consumer (the Borrower) has the right to refuse to receive the Loan in part or in full before the date of issuance of the Loan.
After concluding the loan agreement, the Client has the right to withdraw from the consumer loan agreement within 14 calendar days. In case of withdrawal from such an agreement, the Client pays interest for the period from the date of receipt of funds to the date of their return at the interest rate established by this agreement, and performs other actions provided by the Law of Ukraine "On Consumer Lending" or agreement.
The Consumer (Borrower) has the right to repay the loan in advance in full or in part, notifying the Bank within 10 (ten) working days.
Mandatory loan conditions:
  • the liquid collateral is acceptable to the Bank;
  • notarization of pledge agreements in cases provided by current legislation;
  • guarantee of the wife / husband / owner of the mortgaged property;
  • registration of the encumbrance of the collateral in accordance with the requirements of current legislation of Ukraine;
  • independent expert assessment of the subject of the pledge or the conclusion of the property appraiser - an employee of the Bank who has a qualification certificate of the appraiser (annually, except for property rights to a bank deposit);
  • registration of the spouses' consent to receive a loan / guarantee or transfer of property as collateral;
  • insurance of the collateral in accordance with the requirements of current legislation of Ukraine in favor of the Bank.

Current banking legislation requires banks of Ukraine to transfer information to the Credit register of the National Bank of Ukraine in the manner and amounts specified by law and cooperate with information offices that accumulate information about bank lending. In order to fulfill the requirements of the National Bank of Ukraine, JSC IIB concluded an agreement with the First Ukrainian Credit Bureau. The concluded agreement allows the Bank to exchange information with the FUCB about credit transactions that carry a certain credit risk.

To get further information about lending conditions please contact the Private Lending Department or the branches of JSC IIB.

 

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 17.09.2021
  Currency   buy     sale  
  USD 26,600 26,800
  EUR 31,250 31,700
  GBP 36,300 37,200
  CHF 28,300 29,200
  RUR 0,300 0,390
  NBU
  USD 26,6672
  EUR 31,3700
  GBP 36,8674
  CHF 28,8154
  RUR 0,3681
Dynamics Archive

[+] Bank metal rates