Loan for the purchase of land

«RwS bank» provides loans for the purchase of agricultural land. According to the law, until January 1, 2024, only individuals – citizens of Ukraine can buy land in the amount of 100 hectares. Farmers are included in this category.

Rate

20% per annum

Credit amount

from UAH 10 thousand to UAH 6 million

Advance deposit

according to the decision of the credit committee

Loan terms

up to 10 years

One-time commission

UAH 1 000

Bid bond

acquired land

other real estate of the borrower and/or guarantor

guarantee of one of the spouses

Requirements for borrowers

1. Individuals – citizens of Ukraine who are clients of «RwS bank»

2.Age from 21 and not more than 67 years (at the time of termination of the contract)

List of required documents:

• passport and certificate of assignment of TIN (borrower, spouse and seller of land)

• proof of income (borrower and spouse)

• certificate from a single database of reports on the valuation of property of the State Property Fund of Ukraine

• report of an independent appraiser on the value of the collateral

• land ownership documents

Warning for the customer

On the possibility and conditions of early termination of the banking service agreement, as well as the method of such termination

In case the Client withdraws from the consumer loan within 14 (fourteen) calendar days from the date of conclusion of the Application-Agreement, in accordance with the procedure provided for by the current legislation of Ukraine, the Client must apply to the bank branch or credit intermediary where the consumer loan was received and personally submit a corresponding application, and the Client pays the bank in full the amount of the consumer loan, the amount of the monthly commission and the amount of accrued interest for the period of actual use of funds at the interest rate specified in the Application-Agreement.

Regarding the possible consequences for the client in case of using a banking service or failure to fulfill obligations under the agreement on the provision of this banking service

The client shall be liable for failure to comply with the terms of the relevant banking service agreement in accordance with the applicable laws of Ukraine and the relevant agreement. The consequences of the client's failure to fulfill its obligations under the relevant banking service agreement may include early termination of the agreement, reimbursement of losses incurred by the bank as a result of the client's failure to fulfill its obligations under the agreement, and penalties provided for by the applicable law and the agreement. Information on the consequences of the client's failure to fulfill its obligations under the agreement will be additionally communicated to the client prior to the conclusion of the relevant agreement by providing the client with a draft of the relevant agreement and/or by providing the client with access to the text of the relevant agreement posted on the official website of «RwS bank».

Regarding the prohibition to require the customer to purchase any goods or services from the bank or a related or affiliated person as a prerequisite for the provision of these services (except for the provision of a package of banking services)

The Law of Ukraine «On Banks and Banking» (Article 55) provides: «Banks are prohibited from requiring a client to purchase any goods or services from the bank or from a related or connected person of the bank as a mandatory condition for the provision of banking services».

Regarding the prohibition of unilateral amendments to agreements concluded with clients, unless otherwise provided by the agreement or the law

The Bank has no right to unilaterally amend the agreements concluded with clients without the obligatory notification and consent of the client in accordance with the terms of the agreement and the current legislation of Ukraine.

Information on the procedure for making changes and additions to the agreement will be additionally communicated to the client before the conclusion of the relevant agreement by providing the client with a draft of the relevant agreement and/or by providing the client with access to the text of the relevant agreement posted on the official website of «RwS bank».

Regarding the client's right to refuse to receive advertising materials by means of remote communication channels

«RwS bank» informs about the client's right to refuse to receive advertising materials by means of remote communication channels in accordance with the Resolution of the Board of the National Bank of Ukraine No. 141 dated 28.11.2019.

On the right of the client to apply to the bank with a request for information (certificate)

After termination of the banking service agreement, including in connection with the expiration, termination or fulfillment of such agreement, the client has the right to request information (certificate) from the bank regarding the fulfillment by the parties of their obligations under the agreement, including information (certificate) on the absence of debt and fulfillment of the client's obligations under the agreement in full, which the bank provides in the form of a paper or electronic document (at the client's option) within five business days from the date of receipt.

+38 044 590 00 00

For more information