Consumer crediting

Want DVD, want game box, want new player, want a new TV set, washing-machine and so on. Whether there is something infamous in such desires? Absolutely nothing, peoples always want to have more. And there is nothing bad, if we did not aim to get anymore, so, and remained in stone age with a club at a fire. Just the same desires stimulate to the talk with barefoot about the increase the salary, to more productive work, finally to passing to new work with more high-paying position.

 

Our desires move progress forward. But both desires and spending grow with growing salary. Expenses pursue us at every step. Purchased an apartment – repair is needed, did repair – it is needed to purchase new furniture, purchased furniture – a new good television set is needed and so can proceed for ever and ever. But as it is known money on does not all seize, in what that period, what that part can be occupied for friends, relatives, parents but it as a rule not for a long time and not large sums. There is a true people which each month part of salary is put aside on what that purchase, but fortunately there are not a lot of such people. In the total we came to the conclusion, that a money sometimes is not enough.

 

But there is a way out of the folded situation, we live not in stone age, and all round us simply say - will GIVE CREDIT and the most important is to choose an optimum bank with the most best terms of crediting, but if you work, on you household, children and your home nurse-children require an anxiety, you do not simply have time at choice bank. But it is not needed to make at the first meeting announcement. 

 

Trust the choice of bank and bank product «BGT consulting», we will help herein to you. We pick up you a bank, choose the optimum program of crediting, if necessary, choose similarly for you suitable insurance, evaluation company from companies which have accreditation in a bank. You only need to fill documents in our office – we’ll do all the other things. You don’t need to go to a bank, we’ll do it and save your own time. We conduct negotiations on behalf of the client with the bank’s manager and take failings documents if necessary.

 

Talk process and registration of agreements with the companies of evaluations and insurance, you similarly can shift on our shoulders. Actually we take all your problems, related to the receipt of a loan.

 

As we value our reputation and high degree of the banks’ loyalty to our company - we provide only high-quality services to our clients.

 

A minimum list over of necessary documents for the receipt of loan in the Ukrainian banks for buying the apartment is below:

•           Xerocopy of passport (husband/wife)

•           Xerocopy of certificate about the appropriation of identification number (husband/wife)

•           Reference from job for the last 6 months, designed properly (with the monthly laying out, with the presence of date and output number, signature of director and chief accountant of a company, telephone number and address).

 

If you are working in small and medium entrepreneurship, you must have the following minimum package of documents:

•           Xerocopy of testifying of state registration SME, testifying of registration the businessman or testifying of the right to carry on notarial and advocate activity;

•           Xerocopy of certificate about registering of payer of taxes (form 4);

•           Xerocopy of testifying to payment of the general tax - at the use of the simplified system of taxation;

•           Xerocopy of reports of physical person - SME (form 3) for the last 3-4 quarters (depending on a bank).

 

It is a minimum package of documents, necessary for consideration of your business, the complete package of documents is determined after the choice of the proper bank, in obedience to its requirements to the grant of documents.

 

Now, we can see who, in opinion of our banks can be a borrower:

•           Citizen of Ukraine

•           Age of Ukrainians citizen can be from 21 to 60 years, but if a borrower is not 21 ago, some banks give out a loan under the individual programs

•           Accordance the basic requirement of bank is a presence of stable profit, sufficient for redemption of sum of a loan and percents on it.

 

Term of crediting is from 1 to 5 years without a mortgage and from 1 to 7 years in the case of providing property. Providing of credit is a transport vehicle, property rights on a deposit, in rare cases the real estate.

 

Loan currency can be: UAH, dollar USA, EURO and Swiss franc (with the mortgage) or UAH (without the mortgage).

 

Maximal sum of a loan without the mortgage which is given out by the Ukrainian banks is to

30 000 UAH, more frequent maximal slat of banks to be in a range 20 000 – 25 000 UAH.

 

 

After the complete receipt of documents time of bank’s answer about a loan is from 1 to 2 days depending on the sum of a loan and chosen bank.Redemption of a credit and percents on it takes place monthly equal parts (anuitet) or in obedience to the graph of redemption of payments (standart).

 

Potential borrowers also need to take into account that delivery of the loan is accompanied such charges:

•           Bank’s commission for delivery of the loan: from 1 to 2 percents from the loan’s size (depending on a bank and chosen type of the loan)

•           Payment of services of insurance company (in obedience to the tariffs of insurance companies accredited in the banks)

 

«BGT consulting» company will render you assistance not only in the choice of bank and also can help you to select the insurance and evaluation company with the most advantageous terms. The cost of all package of our services is 3% from the sum of the given out loan. Thus our client pays all services of company only after making positive decision about delivery the loan by the bank. Receipt of a loan is not very difficult, but is troublesome and need more time. Taking into account that a lot of different nuances is satisfied in bank products, and their amount is satisfied large, the Ukrainian banks however can be while compared to the European or American banks which can offer to several hundreds of different products with numberless in a number of nuances. So in Italy, for example, can not give out a loan, on the basis of that a potential borrower on 2 weeks exceeds a time limit payment of communal payments. Fortunately, our banks are not so emphatic and more loyal in relation to clients. Thus, if you want to accelerate the process of receipt the loan, you are a business man who not have spare time for passing paper procrastination and inevitable formalities, or you simply want to facilitate and simplify on your own the process of receipt the loan - we with gladness will help you and will satisfy your queries and wishes so that the best advertising for us in the future will become your recommendations.

 

 

We wish the success for your businesses.

With kind regards,

BGT consulting