Servicesfor individuals

Pension program

You do not have to queue on at the post-office or to wait for your pension at home for the whole day — we offer you to receive pension at PRAVEX-BANK. You have just to address the Bank and you will be able to receive pension at any time and any point of Ukraine.

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Credits

For individuals

Car loan

PRAVEX-BANK provides its clients with possibility to choose the most appropriate program on car purchase in credit:

Standard conditions of credits provision for new cars purchase
Credits provision for purchase of used cars

•Cooperation with PRAVEX-BANK under crediting program for cars purchase has a lot of important privileges:

Always competitive conditions of car purchase in credit;
High confidentiality: while consideration of issue of car loan it is taken onto account both direct and indirect incomes of clients. Information provided by clients is not disclosed.
Opportunity of credit drawing for payment of attendant expenses while getting car loan by means of credit card with credit limit drawing.
Quick consideration of credit applications for getting of car loan (1) banking day since the moment of complete set of documents provision by client);
Opportunity to discharge the indebtedness on car loan at any of 580 branches and outlets of bank all over territory of Ukraine;
No commission while car loan repaying. No fines while car loan repaying before the appointed time;
Interests accrual on car loan is performed on balance indebtedness;
You can always rely on individual approach in spite of official incomes.

PRAVEX-BANK clients can get a credit on car purchase of domestic or foreign production at any Ukrainian automobile sale center.

•To get car loan it is necessary:

To provide necessary documents to any of PRAVEX-BANK outlets.
After receiving of positive decision of Bank's credit committee about car loan provision to conclude sale agreement with automobile sale center and pay the initial payment for car.
To draw permanent certificate about registration for vehicle in authorities of State Automobile Inspection.
To conclude agreement of pledge, agreement of car insurance with Insurer approved by Bank.

•Conditions of providing credits for purchasing new cars

Type of vehicle:	Term of crediting
- For passenger foreign cars of foreign and national assembling (except Chinese cars that cost to 10 000 USD) - For passenger cars of CIA countries makes (VAZ, UAZ etc) of foreign and national assembling (except GAZ Volga, VAZ 2104, VAZ 2107)	to 7 years
- For passenger Chinese cars (for example, Cherry, Gelly etc) that cost to 10 000 USD - GAZ Volga, VAZ 2104, VAZ 2107. - For passenger national cars (Slavuta, Tavriya)	to 5 years
For cars that are bought to be used in commercial purposes (trucks, dual purpose vehicles, for example, Gazel, "Bogdan" etc)	to 4 years
For passenger cars of any make that are bought to be used as taxi	to 3 years

Type of vehicle:	Maximal filling
- For passenger foreign cars of foreign and national assembling (at sum of credit more than 50 000 USD or equivalent in other currency) - For cars that are bought for being used in commercial purposes (trucks, dual purpose vehicles, for example, Gazel, "Bogdan" etc.) with the cost exceeding 20 000$ or equvalent in other currency - For cars that are bought for being used in commercial purposes (passenger cars of any make that will be used as taxi)	10%
- For passenger foreign cars of foreign and national assembling (at sum of credit to 50 000 USD or equivalent in other currency) - For passenger cars of CIA countries makes (VAZ, GAZ, UAZ etc) of foreign and national assembling - For passenger national cars (Slavuta, Tavriya) - For cars that are bought for being used in commercial purposes (trucks, dual purpose vehicles, for example, Gazel, "Bogdan" etc.) with the cost less than 20 000$ or equvalent in other currency	0%

Type of vehicle:

Maximal filling

- For passenger foreign cars of foreign and national assembling (at sum of credit more than 50 000 USD or equivalent in other currency)
- For cars that are bought for being used in commercial purposes (trucks, dual purpose vehicles, for example, Gazel, "Bogdan" etc.) with the cost exceeding 20 000$ or equvalent in other currency
- For cars that are bought for being used in commercial purposes (passenger cars of any make that will be used as taxi)

10%

- For passenger foreign cars of foreign and national assembling (at sum of credit to 50 000 USD or equivalent in other currency)
- For passenger cars of CIA countries makes (VAZ, GAZ, UAZ etc) of foreign and national assembling
- For passenger national cars (Slavuta, Tavriya)
- For cars that are bought for being used in commercial purposes (trucks, dual purpose vehicles, for example, Gazel, "Bogdan" etc.) with the cost less than 20 000$ or equvalent in other currency

Percentage stakes on credits:	In USD	In Euro	In Hryvnya
Credits for cars that are bought to be used in personal purposes	13,99%	11,99%	18,49%
Credits for cars that are bought to be uses in commercial purposes (trucks, dual purpose vehicles, for example, Gazel, "Bogdan")	14,99%	12,99%	19,49%
Credits for cars that are bought to be uses in commercial purposes (passenger cars of any make that will be uses as taxi)	15,99%	13,99%	20,49%

At sum of credit more than 60 000 USD (or equivalent in other currency) percentage stake is determined individually on decision of the Credit committee.

•Conditions of providing credits for purchasing cars, that were in use

Pravex-Bank provides credits for purchasing foreign cars that were in use aged not more than 3 years, which will be used exceptionally in private purposes.

For all that credits are registered only in case these cars are sold by a car show - partner of the Bank.

Type of vehicle	Term of crediting
- For foreign cars of foreign and national assembling that were in use aged not more than 1 year	to 5 years
- For foreign cars of foreign and national assembling that were in use aged not more than 2 years	to 4 years
- For foreign cars of foreign and national assembling that werein use aged not more than 3 years	to 3 years

Type of vehicle:	Maximal filling
- For foreign cars of foreign and national assembling that were in use	30%

Percentage stakes on credits:	In USD	In Euro	In Hryvnya
Credits for cars that were in use, which are bought to be used in private purposes	15,99%	13,99%	20,49%

•Necessary documents:

Passport of borrower;
Certificate from the State taxes administration of Ukraine ( further on - STAU) about conferment of identifying code to the borrower;
Certificate from work place about income for the last 6 months (with information for every month) indicating the position;
Marriage certificate (if any);
Passport of a spouse;
Certificate form STAU about conferment of identifying code to a spouse of borrower;
Driver's license, speeding ticket;
Copies of documents, confirming right of property for immovable property or other property of borrower (if any), other documents on the Bank's require.
If borrower is registered as an individual - entrepreneur:

certificate about state registration of individual - entrepreneur;
declaration about income for the last 6 months;
certificate from STAU about absence of debts to the budget;

If spouse is registered as an individual - entrepreneur:

certificate about state registration of individual - entrepreneur;
certificate from STAU about absence of debts to the budget on obligatory payments.

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