Designed to calculate the main characteristics of the loan and draw up a payment schedule, and also contains basic information about the bank’s loan offers.
Privatbank car loan calculatorPrivatbank credit card payment calculator
Privatbank mortgage calculator
There are not so rare situations in life when you need money in cash - in this case it will help pawn loan from Privatbank. This program operates on the territory of Ukraine. When applying for a pawnshop loan, you do not need to provide a certificate of income, insure the collateral object (car, real estate, household appliances), and you do not need to notarize the collateral (mortgage) agreement. In addition, Privatbank does not require the provision of certificates of absence of debt for utility services.
The loan amount ranges from 10,000 hryvnia to 250 thousand hryvnia. The loan is issued for a period of six months, at 3% per month (or what is the same, 36% per annum). Loan term - 6 months. For processing a loan, Privatbank charges a commission of 5% of its value. In this case, you do not need to pay money right away; the processing fee is immediately included in the loan itself.
The advantage of this type of loan is that the debtor is required to pay only interest, and the “body of the debt” is paid at the end of the loan term.
To apply for a pawn loan you will need: passport, TIN number. If the object of collateral is real estate, then you must take with you a document certifying ownership, as well as a certificate from the Housing Office about the persons registered in the apartment.
To start calculating, fill out the form fields below and click the "Calculate" button.
Privatbank pawn loan calculator
Nowadays it is impossible to imagine a person who has not borrowed money from a bank at least once in his life. In Ukraine, as well as in any other country, people turn to bank branches when they want to buy something for themselves, or fulfill their dream. Is it possible to get a loan from Privatbank? Borrowed funds are often necessary. Buying household appliances, going on vacation, paying for education - these are the few cases when people go and take out a loan from PrivatBank.
Most large retail chains cooperate with banks and offer their goods in installments. But sometimes you need cash. In this case, you can take out a cash loan from PrivatBank if you have already applied to the bank before, have a good history, have not made late payments on previous loans and have no outstanding debt. If these conditions are met, then it is quite possible to get a cash loan from PrivatBank.
For reference. The largest bank in Ukraine, Privat, sets its limits in issuing credit funds. The upper limit will depend on the purposes for which the contract is concluded and the status of the client.
Types of Privat loans
All types can be divided into:
- Targeted – loan funds issued for a specific purchase. This could be kitchen and home appliances, furniture, a car, an apartment. This category also includes tuition fees. That is, everything that you decide to purchase and know what exactly you need.
With a loan for certain goods, the bank helps you save additional money on your purchase. If you dream of purchasing, for example, a car, then by issuing money on credit, Privatbank will take care of the registration and registration of the car with the traffic police. In addition to registration, the client will be offered a number of other services that will be interesting and beneficial.
- Universal - without designating a specific purpose. You can borrow money from PrivatBank for your needs, without indicating what you needed it for.
Important! Money for non-targeted loans can only be issued non-cash, by crediting them to the required account.
In any case, you will have to repay the debt to the bank, according to the terms of the agreement, according to the calculated payment scheme for the PrivatBank cash loan.
If you need cash, then getting it from PrivatBank is also quite possible. There are several ways to do this.
Two ways to get a cash loan from Privatbank
- Credit card. Its registration does not take much time; borrowed funds are not issued in person, but are credited to the card account. After this, you can withdraw the required amounts and use them at your discretion.
At the time of issuing a credit card, an agreement is signed that specifies all the conditions. In this case, a limit is selected - a level above which it is impossible to withdraw money. It may vary depending on the type of plastic produced.
PrivatBank credit card has a limit of up to 50,000 hryvnia. After concluding and signing the agreement, it is given to you and you can immediately withdraw money.
Attention! it is necessary to repay the debt on time, otherwise penalties may be imposed for delays, up to and including the bank going to court demanding the return of all borrowed funds. Your property may be placed under collateral until the bank is fully repaid.
Despite the fact that the upper limit is 50,000, you won’t be given that amount right away. Owners of the PrivatBank “Universalnaya” card are first given a small credit limit, and only if the debt is repaid regularly, without delay, is it possible to increase the loan to the upper limit - 25,000 hryvnia. Bona fide borrowers receive an increase automatically, without visiting the bank. After contacting PrivatBank, the loan money will be credited to the card.
- Loan agreement. It is issued individually at PrivatBank. Privat Bank has a cash loan that has its own limit; more than 100,000 hryvnia will not be issued to you. The period is no more than 24 months. If you are a regular customer, have a high status and a good history, they will accommodate you and change the upper limit and the term of the contract. These cases are handled privately.
Attention! If you have a bad credit history, do not try to hide this fact. At the request of PrivatBank, the credit history bureau (Ukraine) will always provide accurate information about you as a borrower. If you have late payments, or outstanding payments at all, you will be denied a PrivatBank cash loan.
To draw up an individual loan agreement, you need to know that money is not issued on the day of application. It will take time to process your application, usually taking several days. Your application will be considered only if you are a regular customer of the bank and can certify that you have good solvency.
In order to conclude a loan agreement you need:
- visit a branch of Privat Bank. Present your passport and voice your desire to take out a loan from PrivatBank in cash;
- in addition to your passport, you may be asked to present a plastic card as proof that you are a regular customer of the bank;
- Having a certificate of income or salary can increase your chance of receiving a larger amount of a PrivatBank loan in cash;
- After the necessary verification of all provided documents, the application is sent for consideration. If all the information is correct, you will be notified by phone and invited to come to the bank to conclude an agreement.
Important! You can count on a cash loan from PrivatBank of Ukraine if you have a good credit history and are at least 21 years old and no more than 59 years old.
If you expect to borrow a large amount, you must remember that interest will also be high; the interest rate for an increased loan amount will be more than 20%. A fee may be charged for processing such a loan.
As you can see, you can take out a loan from PrivatBank in cash. To do this, you must comply with several conditions and requirements of the bank. After Privat Bank approves you for a cash loan, you will need to take care of its timely repayment.
Privatbank services 50% of all loans issued in the country. The main purpose of loans is to obtain funds for current expenses, purchase of household appliances, renovation of a house or apartment, etc. Quick short-term loans for small amounts and for any purpose at 0% are the most popular. And the bank provides such an opportunity.
Its benefit lies in the calculation that many borrowers will go beyond the grace period. In addition, the bank receives its percentage from retail chains for servicing non-cash transactions.
Loans in Privatbank
Privatbank's wide range of credit products allows each client to choose the best option. These can be loans in cash or non-cash, with or without collateral, for specific purposes and for non-targeted purposes, different in terms of loan terms and speed of decision-making on issuing a loan, interest-free and paid, etc.
Cash loans imply that the bank transfers a certain amount to the borrower’s account. The client, at his discretion, can pay with this money using a card or withdraw it from an ATM.
Non-cash loans are associated with the purchase of certain goods in installments (from household appliances to cars and apartments). The bank undertakes to transfer money to the seller or (rarely) to the client’s card. The interest for using targeted loans is usually minimal and often does not contain hidden fees and charges. But the registration process is longer and requires a voluminous package of documents.
For the risk of issuing quick loans without collateral and unnecessary papers, Privatbank sets increased interest rates. Registration of credit cards makes it possible to use interest-free loans for a short period of time, usually for non-cash payments.
In certain cases, the bank goes for debt restructuring and credit holidays.
TOredits cash
Let us highlight two types of obtaining a cash loan at Privatbank: secured and unsecured.
Secured loans:
- The “Loan secured by (own) real estate” service covers a period of up to 5 years with the possibility of receiving cash in the amount of up to 50% of the assessed value of the property (from 100 thousand to 1 million hryvnia). The interest rate on the loan is a minimum of 20.9% plus a 1% one-time commission upon registration. Another 1% of the amount goes to insurance companies.
- The “Loan against deposit” service in the amount of UAH 50,000 to 90% of the deposit amount can take the form of a term loan, revolving or non-revolving credit line. The period of provision is limited by the term of the deposit. The interest for use consists of the interest on the deposit plus a few percent of the bank margin.
Unsecured loans:
- The “Quick Loan” service is provided without collateral in the amount of 1,000 to 50,000 hryvnia for a period of one or two years. Funds are transferred to any Privatbank card. The bank commission consists of a one-time and monthly fee (4.59% each). For using, for example, a borrowed thousand for a year you will have to pay about 600 hryvnia on top, for two - twice as much.
- The “Renewable credit limit” service is provided to those who have issued Privatbank credit cards. The conditions vary depending on their type. A nice feature is the presence of a grace period.
The tariff for withdrawing credit money from ATMs is 4% or more.
Credit cards
Popular credit cards from Privatbank are “Universal” and “Universal Gold”. With the “ ” card, the loan amount does not exceed 50,000 hryvnia at 43.2% per annum. With a Gold card, the maximum possible loan amount increases to 75,000 hryvnia at 42% per annum plus 20 hryvnia monthly for “gold” service.
The grace period is 55 days. For the above credit cards during this period, a fee is charged at 0% in the first case, and 1.56% of the loan amount in the second case.
If cash was withdrawn using credit cards, and after the expiration of the grace period, the loan was repaid in minimum required amounts, the real percentage is completely different: 52.84% for “Universal” and 53.36% for “”.
The minimum mandatory repayment payment is calculated as 5% of the debt amount, but not less than 100 hryvnia per month. The loan term is 240 months.
For premium or VIP cards Platinum, MS WorldElite, Visa Infinite, MS World BlackEdition, the main lending conditions are as follows:
- the maximum loan amount is limited to 100 thousand hryvnia (Platinum) - up to almost half a million (Visa Infinite);
- loan term 12 (Platinum, WorldElite), 24 or 240 months (World BlackEdition);
- the fixed interest rate is 0.01% during the grace period, and 37.2% outside it;
- the real interest rate reaches almost 50% (Platinum) and up to 95.22% (Visa Infinite).
VIP cards are cards with extensive capabilities. Therefore, the bank established a one-time fee for opening a card account (from 1000 to 8000 hryvnia) and a monthly fee for participation in a privileged club (from 300 to 2000 hryvnia).
From Privatbank also includes a credit limit. Its amount is small, up to 300 hryvnia. Other payment cards (“Pension Gold”, “Card for Payments”, etc.) may also have credit lines or overdraft facilities open at the user’s request.
As you can see, a quick and short-term loan is most profitable with credit cards, and a long-term loan is only within the framework of targeted or collateral loan programs.
Not everyone can afford to purchase housing with a one-time payment. The sums are large and unaffordable for many young families. The only way out is to take out a loan for an apartment or house from a bank. Mortgages from PrivatBank provide this opportunity on favorable terms. The deal is concluded quickly, taking into account the individual wishes of the client.
Pros and cons of mortgage lending from Privat
PrivatBank offers to obtain a mortgage for any property. The list of affordable housing includes:
- private houses;
- secondary housing;
- unbuilt;
- confiscated apartments from PrivatBank.
PrivatBank offers a mortgage for any real estate
The advantages of registering a deal are obvious:
- fixed interest rate throughout the entire payment period;
- no hidden fees or surcharges;
- full legal support;
- the ability to submit an application and place an order online;
- safety and efficiency.
Compared to other leading banks in the field of mortgage lending, Privat is inferior only on two points:
- ownership passes to the borrower only after full repayment of the loan;
- Home insurance in recent years of mortgages is high.
More detailed information will be provided by the manager at the nearest bank branch.
Conditions for taking out a loan for an apartment in Ukraine
The conditions for purchasing real estate from PrivatBank are quite simple, and most importantly profitable:
- loan amount – up to 2 million UAH;
- annual rate – from 17.9%;
- period of issue – up to 20 years;
- down payment – 25%;
- additional payments - 0.5% of the cost of the house on credit from PrivatBank as mortgage insurance, 0.5% of the remaining amount for personal insurance.
The conditions are absolutely transparent, there are no hidden surcharges.
Quite simple conditions for purchasing real estate from PrivatBank
Mortgage interest rates
The latter is:
- 19.9% for the secondary market;
- 17.9% each for bank property and primary housing.
Requirements for the borrower
PrivatBank issues a housing loan according to the minimum requirements:
- issued to an adult borrower who has reached 18 years of age;
- with an official place of work;
- if you have enough income to pay off your mortgage and support your family.
Simple conditions make a home mortgage accessible to almost everyone.
Mortgage interest rates
Package of documents
The execution of a loan agreement for the sale of houses in PrivatBank is carried out if the client has:
- passports of a citizen of Ukraine;
- identification code;
- certificates of income for recent years from the place of work.
Stacks of documents with various extracts are not required.
Important rules for applying for a loan for an apartment in PrivatBank
The mortgage agreement is valid on the following transparent terms:
- the loan is issued for a purchase amount of at least 100 thousand UAH;
- early repayment of the loan is not subject to fines and sanctions;
- The mortgage is repaid according to the annuity principle - in equal monthly amounts throughout the entire loan period;
- Property valuation and notarial support of the transaction is carried out by appraisers and notaries accredited by the bank for a fee.
The housing is transferred into the ownership of the borrower within 10 days after full repayment of the loan.
Application processing time
The decision on the possibility of issuing a loan is made on the day the necessary documents are provided. After receiving a positive response, up to 3 days are allotted for drawing up a mortgage agreement. Thanks to full legal support, the transaction is concluded in the shortest possible time, saving the client’s time and money.
