eOselya

1. passport (or other identity document that, according to the legislation of Ukraine, can be used on the territory of Ukraine to conclude transactions);
2. registration number of the tax payer's registration card of Ukraine according to the State Register of natural persons - payers of taxes and other mandatory payments;
3. certificate on registration of the place of residence (stay) of the Candidate and his family members;
4. marriage certificate (for married persons) / divorce certificate or relevant court decision (for divorced persons);
5. a copy of the birth certificate of the child/children (if available);
6. excerpt from the register of real estate ownership rights for each family member (verification of ownership of real estate).

If an employee:

• certificate of income accrual for the last six months;
• statement from the FD bank account on the movement of funds, if the client has regular income sufficient to confirm the financial status (salary/pension/other payments);
• other documents confirming the availability of income for the client and his family members from payments and rewards paid in accordance with the terms of the employment and civil law contracts, from the leasing (use) of property; pensions; social assistance; interest, dividends, royalties and any other passive (investment) income; income from the activity of an individual from independent professional activity.

If the client is registered as an individual - an entrepreneur:

• certificate of state registration of the FOP;
• tax declaration of a single tax payer of a natural person-entrepreneur for the last reporting quarter and the previous year (for FOP on the simplified taxation system);
• declaration of property status and income for the last year (for sole traders on the general taxation system);
• a statement from the FOP's bank account on the movement of funds, if the client has regular income sufficient to confirm the financial status (salary/pension/other payments);
• other documents confirming the availability of income for the client and his family members from payments and rewards paid in accordance with the terms of the employment and civil law contracts, from the leasing (use) of property; pensions; social assistance; interest, dividends, royalties and any other passive (investment) income; income from the activity of an individual from independent professional activity.

• passport (or other identity document that, according to the legislation of Ukraine, can be used on the territory of Ukraine to conclude transactions);
• registration number of the taxpayer's registration card of Ukraine in accordance with the State Register of natural persons - taxpayers and other mandatory payments or the passport of a citizen of Ukraine, in which there is a note about the refusal to accept the registration number of the taxpayer's registration card of Ukraine;
• documents confirming the guarantor's income.

• a document that confirms the registration of ownership rights to immovable property in the State Register of Property Rights to immovable property (agreement of purchase and sale, donation agreement, inheritance, etc.);

excerpt of registration of ownership of real estate or information certificate of ownership from the Stateof the register of property rights to immovable property; 

• technical passport for real estate; 

• certificate on the registration of a person's place of residence; 

• a report on the expert assessment of the real estate object, performed by an independent CPA (for real estate objects put into operation). 

• a document confirming the date of commissioning of the building (if necessary). If the property is put into operation (new construction): 

• a document confirming the acquisition of ownership of an investment object provided for by law (agreement for the purchase and sale of property rights, etc.); 

• a document confirming the date of commissioning of the building; 

• document on assignment of address.

Possible consequences for the client in the case of using a banking service or failing to fulfill his obligations under the contract for the provision of this banking service:

1) when receiving a loan:

- The borrower returns the loan amount in accordance with the terms of the contract and the requirements of the legislation of Ukraine;

- the Borrower incurs costs in the form of interest, commissions and other payments for the Bank's services in accordance with the terms of the credit agreement.

2) in case of untimely repayment of credit debt or other violations of the terms of the contract:

- the Borrower may be subject to penalties (penalties, fines, penalties) in accordance with the terms of the credit agreement;

- in the cases determined by the credit agreement, the Bank has the right to demand early repayment of payments under the consumer loan and compensation for losses caused to it by breach of obligations;

- The Bank has the right to apply to collection companies acting in the interests of the Bank.

The Bank is prohibited from requiring the client to purchase any goods or services from the Bank or a person related or connected to it as a prerequisite for the provision of these services (except for the provision of a package of banking services).

The bank does not have the right to unilaterally make changes to contracts concluded with clients, unless otherwise established by the contract or law.

The client has the right to refuse to receive advertising materials through remote communication channels.

In case of untimely reinsurance of the property (failure to make another insurance payment for its full collateral value) against the risks of accidental destruction, damage or deterioration, or in case of failure to provide the Bank with documents confirming the Client's solvency, the Bank will apply a fine in the amount of 0.2% of amount owed on the loan on the date of violation.