The study was conducted in relation to the 30 largest Ukrainian banks. We analyze the conditions of granting loans to buy housing in new buildings for a period of 1 year in national currency. As 18.12.2019 loans, which are investigated, provide 13 banks. The average real interest rate on such loans is 16.2% per annum. The total number of mortgage programs for a specified period of 187. Available credit for the purchase of new housing offers UGB – 1.67 % real per annum for the program "To purchase real estate with a group of "ZIM CAPITAL GROUP" (an "ParkLand")". In the table below, selected one of the best offers from the Bank (including the cost) for the above-mentioned conditions.
Table.1. TOP 13 best loan programs for the purchase of housing for 1 year as of 18.12.2019 G.
|
No. p/p
|
The name of the Bankin
|
The name of the credit program
|
rate %
|
one-time commission %
|
monthly commission %
|
advance %
|
the real rate %
|
|
1
|
Ukrgasbank
|
«To buy real estate together with the group «ZIM CAPITAL GROUP» (residential complex «ParkLand»)
|
0.01
|
0.9
|
0
|
from 50
|
1.67
|
|
2
|
Globus
|
«Lending for the purchase of new apartments from the company «IBK Оbriy»
|
0.01
|
1.90
|
0
|
from 60
|
3.52
|
|
3
|
Oshchadbank
|
«For the purchase of real estate in the primary market KAN Development(«Faine town»)»
|
8.90
|
0.99
|
0
|
from 30
|
10,70
|
|
4
|
Kredobank
|
«For the purchase of real estate in the primary market»
|
17.00
|
0.99
|
0
|
from 40
|
18.78
|
|
5
|
Pivdennyy
|
«Southern Dream» with a floating interest rate»
|
17.00
|
1.00
|
0
|
from 91
|
18.80
|
|
6
|
Privat
|
«The primary market»
|
17.90
|
1.00
|
0
|
from 25
|
19.70
|
|
7
|
Bank of Lviv
|
«Mortgage (floating rate from the 4th year)»
|
20.00
|
1.00
|
0
|
from 20
|
21.79
|
|
8
|
Megabank
|
«Loan for the purchase of residential real estate»
|
23.00
|
0
|
0
|
from 30
|
23.00
|
|
9
|
Commercial Industrial Bank
|
«Loan for the purchase of residential real estate»
|
21.00
|
1.50
|
0
|
from 30
|
23.68
|
|
10
|
RADABANK
|
« Housing loan»
|
21.00
|
2.00
|
0
|
from 30
|
24.58
|
|
11
|
МТB BANK (MARFIN BANK)
|
«Credit Housing»
|
22.99
|
0.99
|
0
|
from 30
|
24.76
|
|
12
|
Bank of Investment and Savings
|
«Own housing»
|
23.5
|
0.99
|
0
|
from 30
|
25.26
|
|
13
|
ОТP Bank
|
«Cash loan for the purchase of real estate under the program «New building" without collateral»
|
0.01
|
0
|
1.50 % of the amount
|
0
|
33.24
|
Realna rate – the nominal rate adjusted for one-time and monthly Commission.
According to Prostobiz.ua