SPECIAL CONDITIONS OF LOAN PROGRAM ON USED CARS BY PJSC "CREDIT AGRICOLE BANK"

One time fee - 2.50% of initial amount of the loan

AMMOUNT OF A LOAN:
from 2,000 USD to 30 000 USD (equivalent in hryvnias).

TYPES OF CARS:
•    Cars of a foreign make (including those assembled in the territory of Ukraine, excluding Daewoo, cars
      of a Chinese make and models of CIS origin);
•    Car age: as of the date of loan accommodation, should not exceed 6 years;
•    Annual mileage of a car should not exceed 30 000 km;
•    The first sale of the vehicle must be made on the territory of Ukraine;
•    Number of transfer of ownership of the car shall not exceed two times at the moment of sale.

FORM OF CREDIT ISSUANCE:
transfer of credit to the current account of the Borrower with a subsequent transfer to the current account of the Seller.

LOAN REPAYMENT AND INTERESTS:
•    monthly loan payments are calculated on equal payments (annuity);
•    the body of the loan is paid monthly  with equal share of payments, the interest is accrued on the balance.

PAYMENT OF LOAN:
Mortgage payments are made through the cash to the cashier of the bank.

EARLY REPAYMENT OF LOAN:
possible from the first month of receipt without penalty.

ENSURING:
in mortgage of purchased vehicle.

MANDATORY INSURANCE:
•    The Voluntary motor own damage insurance (CASCO, probably get credit for the full hull insurance at 17% per annum);
•    Obligatory motor third party liability insurance (OMTPL)

EXTRA EXPENCES:
•    Mandatory assessment of the car evaluation – 780 UAH.
•    Vehicle registration in the State Register of Charges of Movable Property - a one-time 100 UAH.
•    Providing an extract from the State Register of Encumbrances of Movable Property - 150 UAH for each exposure and personal property (made in the day of the loan) - according to the tariffs of private (state) of the notary or the State Enterprise "Information Center" of the Ministry of Justice;
•    CASCO Insurance by the Partner of the Program;
•    Obligatory motor third party liability insurance (OMTPL) by the Partner of the Program;
•    Notarization of a collateral agreement - according to the tariffs of the notary in your Region.


LIST OF DOCUMENTS:
•    Passport of the citizen of Ukraine and that of the husband/wife (if any);
•    Certificate of assignment of identification number of a taxpayer from the Borrower and that of the husband/wife (if any);
•    Documents on the car to be bought for credit facilities (invoice, a report on the valuation of the car, the conclusion of the technical condition of the vehicle);
•    Documents concerning the Borrower’s financial standing;
•    Additional documents, if necessary.
For the individual:

• Certificate from the place of work indicating the position, the period of employment with this company and the amount of income received for the last 2 weeks before the date of its submission to the Bank, which confirms the position of the Borrower and / or wife / husband Borrower and payroll for the last six months;

For private entrepreneurs:

• Registration certificate of a private entrepreneur (for the last 2 years at least);
• Reports from tax inspection about revenues of an entrepreneur as a private individual for the last 5 quarters;
• Copy of Patent for conduction of entrepreneurial activity;
• Certificates of tax payer registration.

For seagoing sailors:

• Seaman's book;
• Certificate about  the voyage or stamp in the passport sailor on actual voyages for the past two years;
• Contract or agreement for employment for the last 2 (two) years;
• Certificate from the Crewing Agency that the client is registered in Crewing Agency, indicating the positions.

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