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Car credit calculator

Loan application documents

  • Passport, TIN of the borrower and spouse;
  • Certificate of salary for the last 6 months;
  • For sole proprietorship clients - income statement for the last full year and the last reporting period;
  • An invoice from a car dealership.

Detailed information about the loan

Type of information Consumer loan "Loan for the purchase of a car"  
Basic conditions for a consumer loan
Purpose of obtaining a loan Consumer needs  
Target customer group VIP business clients VIP business clients, who receive wages to an account with JSCB "Concord" JSC, and its amount is at least two minimum wages established at the time of the loan  
Loan amount/limit, UAH up to 1 000 000  
Loan term, days/month/years up to 84 months for new cars - up to 84 months
For used cars up to 60 months
Interest rate, % per annum from 0.01 to 15.99 12  
Interest rate type (fixed/variable) Fixed  
Real annual interest rate, % per annum from 33,31 to 45,19 26,23  
Client's own payment,% of the loan amount from 20%  
Information about the estimated total cost of a consumer loan for a client
General expenses on a loan [including interest for using a loan, bank commissions and other client's expenses for additional and related services of a bank, a credit intermediary (if any)] and third parties, UAH from 140 054,00 to 320 524,00 803 161,00  
Estimated total cost of a loan for a client for the entire period of use of the loan (loan amount and total loan costs), UAH from 1 140 054,00 to 2 320 524,00 1 803 161,00  
Credit intermediary services no no (Yes/no, payment amount)
Payments for additional and related services of the bank and/or third parties:
warning: The conclusion of a consumer loan agreement is / is NOT connected (leave the necessary) with the need to obtain additional and related services of the bank and / or third parties indicated in column 3 of lines 23-27 of the table of Appendix 1 to the Regulation on information provision by banks of CLIENTS regarding banking and other financial services (hereinafter - the Regulation). The legislation of Ukraine provides for: the right of the client to conclude an agreement on the provision of Additional or related services from a third party selected by him, included in the List of those that meet the Bank's Requirements (if there is such a List, which is determined by the bank), except for the case when the relevant service is provided only by the bank; the right of the client to independently apply to the person providing consumers with the corresponding additional or related services among persons not included in the List determined by the bank, if the bank's definition of the LIST of third parties that provide consumers with additional or related services related to the conclusion of a consumer loan agreement includes less three people for each type of service.
insurer services from 6% to 10% of the value of the vehicle 5% of the value of the vehicle (Yes/no, amount of payment, basis of its calculation, list of persons, if any)
state registrar services no (Yes/no, amount of payment, basis of its calculation, list of persons, if any)
notarial services no (Yes/no, amount of payment, basis of its calculation, list of persons, if any)
appraiser services no - for new cars, yes for used cars - 0 UAH (Yes/no, amount of payment, basis of its calculation, list of persons, if any)
commission for transferring credit funds to a car dealership 1000 UAH no (Yes/no, amount of payment, basis of its calculation, list of persons, if any)
loan disbursement fee 1.5% of the loan amount at a time no (Yes/no, amount of payment, basis of its calculation, list of persons, if any)
Consumer loan security
Pledge/surety yes (yes/no)
Collateral type (if applicable) new cars of foreign production new and used cars of foreign production  
The approximate minimum value of property / property rights required to obtain a loan for the amount indicated in column 3 of line 11 of the table of Appendix 1 to the Regulation (if applicable), or 1 250 000 (Indicate corresponding amounts)
Ratio of available loan size to property value/property rights (if applicable) from 80%  

 

Interest rates for consumer loan services
Loan term, months CASCO 12 24 36 48 60 72 84
an initial fee Interest rate
20% 10% 0,01% 3,99% 5,99% 7,99% 9,99% 12,99% 15,99%
30% 9% 0,01% 3,99% 5,99% 7,99% 9,99% 12,99% 15,99%
40% 9% 0,01% 3,99% 5,99% 7,99% 9,99% 12,99% 15,99%
50% 8% 0,01% 3,99% 5,99% 7,99% 9,99% 12,99% 15,99%
60% 7% 0,01% 0,01% 5,99% 7,99% 9,99% 12,99% 15,99%
70% 6% 0,01% 0,01% 0,01% 7,99% 9,99% 12,99% 15,99%

 

Essential characteristics of a consumer loan service for the purchase of a car

Loan passport