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Ukrsotsbank resumes active consumer lending for housing purchase

18.05.2011

Ukrsotsbank resumes lending for individuals in accordance with "Refinance mortgage loans" starting from 13 April, 2011.

The first quarter of 2011 showed fairly optimistic dynamic of mortgage market. During the first quarter of this year, the bank has issued 10 mortgage loans that is a positive result compared to the same period last year according to the Chairman of the Board of Ukrsotsbank Boris Timonkin: "During March we had 10 mortgage borrowers. And that's a good result, considering that in March last year there was only one."

Ukrsotsbank provides individuals with mortgage loans both in the secondary and primary market. The term and interest rate depend on how risky a loan. To date, the rates in national currency ranged from 15-19% and above up to 20 years. Ukrsotsbank also actively working with real estate agencies, offering a discount on the interest rate to customers who work with real estate agencies - priority partners.

Thus mortgage procedures in Ukrsotsbank were significantly simplified. "The customer may apply to the bank to obtain a decision about possibility of granting him a loan, as well as to the real estate agency or directly to the developer. In the first case, the bank examines the customer's solvency and makes a preliminary decision on the possibility of lending without having any information of the collateral. Once the client decides on the real estate or object for investment, the bank starts to consider a complex issue of lending, taking into account the object of pledge. This scheme is very convenient and is very popular among customers. In the second case, when a client initially applies to the real estate agency or to the developer, the bank immediately considers the possibility of lending, taking into account the object of pledge, "- said Olga Shostak, Head of affluent clients Department of Ukrsotsbank.

In general, the experts note the positive dynamic of growth in the mortgage market this year. Mortgage rates decrease, reaching almost pre-crisis value, the number of banks who provide with loans is growing. The conditions have become much more loyal for the borrowers than, for example, a year ago. In this regard, the Board of Ukrsotsbank decided to resume lending for individuals in accordance with "Refinance mortgage loans" starting from 13 April, 2011.

NOTE

Ukrsotsbank is one of the largest universal banks of Ukraine, operating in the local market since 1990. The bank offers full range of services to individuals and corporate clients.

The renovated Ukrsotsbank emerged on 31 October 2016 as a result of strategic deal whereby 99.9% of Ukrsotsbank shares have been transferred from UniCredit Group to ABH Holdings S.A. (АВНН) in exchange for a minority 9.9% stake in ABHH. Thus, the bank has combined 26-year-old traditions of Ukrsotsbank’s client-centric attitude, European quality of service inherent to UniCredit, as well as international banking expertise of ABHH in a number of European countries including CIS. Thanks to the successful synthesis and synergy of the two assets of ABHH in Ukraine, Ukrsotsbank and Alfa-Bank, the banking market of Ukraine will see the rise of a new stronger financial institution. This, in turn, will spur up technological advance, increase efficiency, improve quality of service for the clients, reduce cost of banking services whereas their range will inevitably expand.

The extensive retail network of Ukrsotsbank consists of 237 branches, its headcount reaching nearly 5 thousand employees.


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