Individuals who are members of the КС «ЗАРАЗ», who wish to receive a consumer loan, must be a fully competent person and there are no court decisions regarding him (which have entered into legal force and have not been canceled by another decision) on limiting his legal capacity or recognizing him as incompetent, as well as he is not aware of the submission of applications to the court with the specified requirements.
Expression of will to receive a service is free and corresponds to his inner will and is not under the influence of circumstances difficult for him or coercion that forces him to enter into a contract. The documents and/or information submitted for obtaining a loan are reliable and reflect the real financial situation on the date of submission. In the case of securing property under the Agreement, the property is not restricted in circulation and is not pledged to third parties.
Natural persons who are members of the КС «ЗАРАЗ», who wish to receive a loan for consumer purposes (consumer credit), must submit the following documents to the КС «ЗАРАЗ» office:
1. a certified copy of the passport of a citizen of Ukraine or another identity document and the original (for review);
2. a certified copy of the identification number assignment certificate and the original (for review);
3. a document confirming the income received by a member of the credit union (such documents are considered to be – a certificate of wages for the last 6 months and/or a tax declaration of a single tax payer – an individual entrepreneur for the last two quarters and/or an annual tax declaration on property status and income and/or statement-notification prepared by the borrower about his actual income, etc.);
4. in the case of consideration of the total family income – documents confirming the income received by family members (such documents are considered to be – an application-notification prepared by the borrower about his actual income and/or a certificate of wages for the last 6 months and/or Tax declaration of a single tax payer – of an individual entrepreneur for the last two quarters and/or Annual tax declaration on assets and income, etc.);
5. loan application.
A mandatory condition for the conclusion of a consumer credit agreement by a credit union with a member of the credit union is his consent to access to the information that makes up his credit history and to the collection, storage, use and distribution through the credit history bureau included in the Unified Register of credit bureaus stories, information about him and his credit, defined by the Law of Ukraine “On the organization of formation and circulation of credit histories”. The lack of such consent of the borrower results in the refusal of the credit union to enter into a consumer agreement with a member of the credit union and to carry out a credit transaction.
Consumer loans are provided for the following purposes:
*Purchase of household appliances, audio equipment, cameras and information processing equipment (for individuals and individual entrepreneurs);
*Purchase of vehicles – motorcycles, scooters, scooters;
*Purchase of vehicles – passenger cars;
*Purchase of vehicles, except cars, motorcycles, scooters, scooters;
*Purchase of vehicles – motorcycles, scooters, scooters;
*Purchase of vehicles – passenger cars;
*Purchase of vehicles, except cars, motorcycles, scooters, scooters;
*Education (for individuals and individual entrepreneurs);
*Other types of individual consumption (including unspecified);
*Purchase, construction and reconstruction of other real estate (except land plots);
*Repair of real estate;
* Management of a personal peasant economy.
According to the order of issuing and receiving sums under credit agreements (type of credit):
· the loan is issued in one day;
credit line.
The type of interest rate is fixed. Interest rates https://zaraz.org.ua/en/richni-procentni-stavki-z-nadannja-kreditiv/.
According to the modes of payment of interest and the principal amount of the loan:
1) a loan with payment of interest and the principal amount of the loan at the end of the term of the loan agreement;
2) a loan with periodic interest payments and payment of the principal amount of the loan at the end of the term of the loan agreement;
3) a loan with periodic payment of interest and periodic payment of equal shares of the principal amount of the loan, which are calculated by dividing the total amount of the granted loan by the number of periods of loan use. At the same time, the accrual and payment of interest is carried out on the balance of the loan debt;
4) a loan with periodic payment of interest and the principal amount of the loan in “equal shares”, which provides for an unchanged (same) amount of payment throughout the entire term of the contract. Such payment includes both the interest charged for the use of the loan and a part of the loan. At the same time, the percentage of interest charged on the balance of the principal amount decreases with each subsequent payment, and the percentage of the loan amount increases.
5) credit agreements (except for consumer credit agreements) for all modes of payment of interest and the principal amount of the loan may provide for the possibility of paying interest in advance on the terms established by the parties in the agreement.
6) a loan with periodic payment of the principal amount of the loan and interest, the amount of payments is determined and agreed upon by the parties.
By types of security, in the case of such security, fulfillment of obligations under credit agreements:
collateral, including mortgage;
surety;
penalty (fine, interest);
· guarantee;
· other types of security are not prohibited by law.
According to the method of granting credit:
1) by cash;
2) non-cash way.
3) combined (cash and non-cash).
The financial service is provided at the location of the “ZARAZ” Credit Union: Ukraine, 03039, Kyiv, str. Zabily Viktor bldg. 5, office 122.
The phone number of the “ZARAZ” Credit Union for customer service: 0800 755 427, 044 525 54 27.