| Loan conditions |
Borrower requirements |
| Loan amount |
from 1 UAH to 150 000 UAH |
Age of borrower |
from 21 to 75 years (at the time of loan term completion) |
| Loan term |
from 3 to 36 months |
Required documents |
- Passport of a citizen of Ukraine or a permanent residence permit in Ukraine (original)
- Taxpayer registration card number (TIN) (original)
- Permanent registration (residence permit) in Ukraine |
| Down payment |
from 0% to 90% of the product's value |
| Interest rate (during and after the grace period) |
0.00001% per annum |
| Grace period |
from 0 to 35 months |
| Monthly credit management fee |
from 0% to 5% |
| charged monthly from the amount of the issued credit after the end of the grace period (if applicable), regardless of the actual number of days the credit is used in the corresponding month |
| SMS notification service fee for credit debt |
from 0 UAH to 799 UAH |
Income certificate |
not required |
| calculated as a one-time fixed amount and included in the credit amount |
| One-time fee |
from 0% to 25% |
Collateral |
none |
| calculated as a one-time amount from the cost of goods/services being financed by the credit and included in the credit amount |
| Accident and critical illness insurance "Protection Under Reliable Wing" with consumer credit, UAH |
from 0 UAH to 2,000 UAH |
| calculated as a one-time fixed amount and included in the credit amount |
| Life insurance with consumer credit, % |
from 0% to 28.8% |
| calculated as a one-time amount from the cost of goods/services being financed by the credit and included in the credit amount |
| Effective annual interest rate |
from 0.00001% to 364% (depending on the loan amount, term, and conditions of the selected credit product) |
Guarantor |
no guarantors required |
"Information on Essential characteristics of the consumer loan service (without collateral)" available when selecting a loan program, Bank’s partner network, credit product, loan repayment term, and loan amount in the Loan Calculator.
Warnings about possible consequences for the client when using the consumer loan service (without collateral)
1. The client repays the loan amount, fees, and interest in accordance with the terms of the Agreement on providing a complex of banking services at JSC "СB "GLOBUS" and the requirements of Ukrainian legislation.
2. The bank is prohibited from requiring the client to purchase any goods or services from the bank or a related party as a mandatory condition for providing these services (except for providing a package of banking services).
3. The bank does not have the right to make changes to the contracts with clients unilaterally without mandatory notification and consent of the client, in accordance with the Agreement and current legislation of Ukraine. The procedure for making changes and additions to the contract is regulated by section 10 of the Agreement on providing a complex of banking services at JSC "CB "GLOBUS".
4. The client has the right to refuse to receive advertising materials through remote communication channels.
5. The client has the right to withdraw from the Agreement on providing a complex of banking services at JSC "CB "GLOBUS", in case of using the Loan service within 14 calendar days from the date of signing in accordance with clause 2.1.4 of the Agreement (if the client withdraws from such an agreement, they pay interest for the period from the date of receiving the loan funds to the date of their return at the interest rate set by the Application Form for joining the Agreement and perform other actions provided by the Law of Ukraine "On Consumer Lending" or the contract).
Possible consequences in case of non-performance by the client of obligations under the contract
1. For failure to fulfill or improper fulfillment by the Client of their obligations under the loan according to the Agreement on providing a complex of banking services at JSC "CB "GLOBUS", the Bank has the right to charge a fee for violating the terms of monthly payment repayment - 200.00 UAH for each violation.
The interest rate applied for non-fulfillment of the loan repayment obligation is 50% per annum on the amount of overdue debt on the loan principal.
2. The bank has the right, in specified cases, to demand early repayment of loan payments and compensation for damages caused by the breach of obligation.
3. The bank has the right to provide information to the credit bureau/credit register of the National Bank of Ukraine and form a negative credit history, which may be considered by the bank when making a decision on granting a loan in the future.
4. The bank has the right to contact the relevant state authorities to satisfy its claims, including by enforcement.
5. The bank has the right to contact
collection companies acting in the interests of the Bank.
JSC "CB "GLOBUS" cooperates with credit intermediaries and insurance companies in the field of consumer lending. The presence, list, and cost of accompanying services of the bank, credit intermediaries, and third parties, including the amount of payment and its calculation basis, are determined by the terms of the selected credit product, with the maximum values indicated above in the "Loan Conditions" table.
.jpg)
