How many of the banks offer credit repair and what are the loan programs. Money transfer services offer all three banks. Money transfer services offer all three banks. Perhaps because of the small number of offers, the price of services exceeds the limit up to 38% of annual Ukrainian banks expand its range of services through the introduction of special loan programs, such as loans for housing repairs. In particular, such programs were introduced in the bank “Forum”, and Kredobank “Prokredita.” The cost of borrowed funds varies from 22% to 38% per annum. The loan terms do not exceed 5 years. But you can borrow quite a decent amount of 100 to 300 thousand grn. Dlya processing the loan the bank will grant him bail in the repair, or any other real estate. The pledge, of course, will need to insure that the borrower increases the cost by 0.3% per year cost of the object. Kredobank also requires the borrower to insure the life (plus 0.3% of loan amount per year). Thus, special programs for repair lose all meaning. Since having neotyagoschennoy apartment or house, a man can not obtain conventional loans secured by real estate. Such loans are now offering more than a dozen banks, and the rates on them are lower than for the “repair” by 2-6 percentage points to account for 20-32% per annum. In this case, a simple loan secured can be issued for a period of 10-15 years, and credit repair for a maximum of pyat.Konechno, do not delay payment of the loan. Fortunately, banks are not penalized for early repayment. But over a longer period makes it possible to reduce the size of a mandatory payment. This facilitates access to credit. Since banks are now demanding that the official income of the borrower at least twice as large as the sum of the monthly payment. Conditions for loans for repairs in Ukrainian banks Bank Name Name of the program term loan maximum amount of nominal lending rate Disposable / monthly commission payments Insurance Effective rate Forum Credit repair mortgage 5 years 300 thousand UAH. 23% 2% 0.3% 25.3% Kredobank “Renovation Loans” (promotional) 1 year 250 thousand UAH. 19% 1% / 0.1% 0.3% 0.3% 21.8% Kredobank “Renovation Loans” 1-5 years 250 thousand UAH.