The study was conducted in relation to the 30 largest Ukrainian banks. Given the best loan program to buy housing in new buildings, which provide 11 banks for a period of 10 years in local currency.
The average real interest rate on such loans is 23.45% per annum. The total number of mortgage programs - 182.
Available credit for the purchase of new housing offers PrivatBank - of 18.06 %.
Table.1. TOP 11 best loan programs for the purchase of housing in new buildings for 10 years in local currency as at 25.10.2019 G.
|
No. p/p |
The name of the Bankin |
The name of the credit program |
rate % |
one-time comandwith withandI % |
monthly fee % |
advance % |
Rthe real rate % |
|
1 |
Privat |
The primary market |
17.9 |
1.00 |
0 |
25 |
18.06 |
|
2 |
South |
"A southern dream" with floating interest rate |
18.00 |
1.00 |
0 |
91 |
18.15 |
|
3 |
Ukrgasbank |
Real estate loan (primary market) |
18.80 |
0.90 |
0 |
30 |
18.98 |
|
4 |
Kredobank |
To buy property in pervinca market (floating rate from 4th year) |
19.91 |
0.99 |
0 |
40 |
20.06 |
|
5 |
Sberbank |
To buy property in the primary market KAN Development("fine town")" |
19.99 |
0.99 |
0 |
30 |
20.14 |
|
6 |
Bank Lviv |
Mortgage (floating rate from 4th year) |
20.66 |
1.00 |
0 |
20 |
20.81 |
|
7 |
Commercial Industrial Bank |
Credit for purchase residential property |
21.00 |
1.50 |
0 |
30 |
21.23 |
|
8 |
Globe |
Lending for the purchase of new flats from the "action HORIZON" |
21.90 |
1.50 |
0 |
60 |
22.12 |
|
9 |
Megabank |
Credit for purchase residential property |
23.00 |
0 |
0 |
30 |
23.00 |
|
10 |
MTB BANK (MARFIN BANK) |
Real estate loan |
22.99 |
0.99 |
0 |
30 |
23.14 |
|
11 |
The Bank of investments and savings |
Their own homes |
23.50 |
0.99 |
0 |
30 |
23.65 |
Reference:
The real rate – nominal rate adjusted for one-time and monthly commissions, if any. In this study, the real rate calculated on the maximum loan term is 1 000 000 UAH.