Credit limit up to 300,000 UAH

A credit limit is the amount of credit set by the bank that you can use as needed. When you repay the funds you’ve used, the available limit is restored.

Agroprosperis Bank sets a credit limit ranging from 5,000 to 300,000 UAH. The bank determines the specific amount on a case-by-case basis following a review of the application.

A credit limit is set for the MRIYA card, which you can apply for at a bank branch. If you already have a MRIA card, you can submit a request to set a credit limit through AP Bank’s online banking service.

The grace period is the time during which a preferential interest rate of 0.0001% per annum applies to the use of credit funds. It applies to all funds spent during the current month and remains in effect until the last day of the following calendar month.

To take advantage of the promotional rate, simply repay the funds used during the month in full by the end of the following month.

For example, if you used the credit funds on July 1, the grace period will last until August 31—that is, a maximum of 62 days. If the funds were spent on January 31, you must repay them at the preferential rate by February 28—the grace period will be 29 days.

The earlier in the month you use the credit funds, the longer the grace period will be.

If you are unable to repay 100% of the funds spent by the end of the grace period, you only need to make the required minimum payment in accordance with the bank’s rates. The base rate will be applied to the remaining balance until it is fully repaid.

No. There is no fee for setting a credit limit. Non-cash payments using credit funds at retail locations and online are also made without a fee, in accordance with the bank’s rates.

After you repay part of the outstanding balance, the available portion of your credit limit increases, and you can use those funds again. The total credit limit set by the bank remains unchanged.

For example, if the established limit is 100,000 UAH and 30,000 UAH has been used, the available amount is 70,000 UAH. After repaying 10,000 UAH, the available limit will increase to 80,000 UAH.

Restoring the available balance does not increase the maximum credit limit set by the bank.

Yes. You can make a partial or full early repayment on your loan at any time—without any penalties or additional fees.

Conditions for starting activities related to the settlement of overdue debt and/or assignment of the right of claim

JSC "AGROPROSPERIS BANK" (hereinafter referred to as the creditor or the Bank) can start settlement of overdue debt from the first day of the borrower's delay in payment of the next loan payment. For this purpose, the Bank can use the following communication channels:

• SMS messages, electronic and paper letters;
• means of telephone communication;
• personal meetings with the client.

Debt settlement can be carried out by:

• pre-trial settlement of debt (including through voluntary repayment of debt and/or sale of property by the borrower);
• forced collection of debt through out-of-court and judicial settlement tools (in the case of the borrower's refusal to cooperate and/or lack of funds to repay the debt). These instruments include settlement of debt in court, during executive proceedings, in bankruptcy proceedings, other compulsory settlement measures not prohibited by the legislation of Ukraine, acquisition of the Bank's property of the pledged and other property of the borrower, property guarantor at the expense of repayment of the borrower's debt, as well as sale of debt/ assignment of the right of claim under the consumer credit agreement to a new creditor.

Assignment of the right of claim under the consumer credit agreement to a new creditor may be applied by the Bank in the following cases:

• the delay in repayment of the debt under the consumer credit agreement is more than 30 days;
• the borrower's violation of the terms of the consumer credit agreement, which the debtor refuses to eliminate from his side;
• submission of false or incomplete information to the Bank before or after receiving the loan;
• in other cases that do not contradict the legislation of Ukraine and give the Bank the right, in accordance with the terms of the consumer credit agreement, to demand full early repayment of the loan.

The procedure for assigning the right of claim under a consumer credit agreement to a new creditor

Currently, the Bank does not transfer its creditor rights to another person.

The procedure and method of repayment of overdue debt

The order and sequence of debt repayment is carried out in accordance with the terms of the credit agreement. You can repay the debt in one of the following ways:

• using internet banking and/or the Bank's mobile application;
• in the Bank Branch;
• transfer according to the details specified in the credit agreement.

The procedure for the bank's interaction with consumers and other persons in the settlement of overdue debts

Requirements for the creditor, the new creditor, the collection company and their activities when settling the overdue debt