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Changes in the conditions of
granting the loan repayment holidays!

For the quarantine period, you can draw up the holidays with the prolongation (extension) of the term of the loan agreement for cash loans and/or loans for the purchase of goods.
They do not cancel loan payments, but temporarily reduce them to decrease the financial burden.

What does it mean?

During the loan repayment holidays, payments will only consist of interest and monthly commission on the loan. And the repayment of payments on the body of the loan is deferred and paid during the period for which the term of the loan agreement will be extended.

Conditions for granting the loan repayment holidays with the extension of the agreement:

  • provided to owners of cash loans and/or loans for the purchase of goods

  • term of the loan repayment holidays and extension of the loan agreement term – 3 months

  • for the loans on which no loan repayment holidays were previously provided

  • for loans with no overdue debt or with overdue debt, the amount of which is no more than one monthly loan payment and which the customer can repay on the date of the loan repayment holidays

  • the monthly commission is not charged during the extended term of the loan agreement

  • the real interest rate and the date of obligatory payments do not change

Example of calculating payments:
The loan 10 000 UAH for 24 months

Mandatory loan payment:

BEFORE the holidays

DURING the holidays

AFTER the holidays
(for the period BEFORE the extended term of the agreement)

AFTER the holidays
(for the extended period of the agreement – the last 3 months)

loan body:

416,40 UAH

0,00 UAH

416,40 UAH

416,40 UAH

monthly commission and interest on a loan:

399,07 UAH

399,07 UAH

399,07 UAH

0,01 UAH

Total payment amount:

815,47 UAH

399,07 UAH

815,47 UAH

416,41 UAH

The loan repayment holidays with an extended term of the agreement can be drawn up only at the bank branches.

Answers to the questions you may have

    • How can I connect the loan repayment holidays?

      You need to contact the bank branch. You must have an original passport, TIN, and a medical mask with you.

    • If I have more than one loan, how is the loan repayment holidays connected?

      The holidays are connected to each loan agreement separately at your choice and your request.

    • Are there any restrictions on drawing up the loan repayment holidays?

      Yes, the holidays are not provided if your loan:
      - credit holidays have already been provided
      - there is an overdue debt, the amount of which is more than the amount of one monthly payment on the loan (the overdue debt in a smaller amount must be repaid on the date of the loan repayment holidays)

    • If I have an overdue debt, can I draw up the loan repayment holidays?

      You can apply for the loan repayment holidays if your loan has not been repaid overdue debt, the amount of which is not more than the amount of one monthly loan payment. To draw up the loan repayment holidays, you need to pay such an overdue debt.

    • If I have already taken advantage of the loan repayment holidays without extending the term of the agreement, can I connect the loan repayment holidays with the extension of the term of the agreement?

      The loan repayment holidays are connected to the loan agreement only once. For customers who have already taken advantage of the loan repayment holidays from April to July, the bank offers to extend the term of the loan agreement for 3 months, which will allow the loan payment to be returned to the amount it was before the loan repayment holidays was connected.

    • How can I extend the term of the loan agreement?

      It is necessary to contact the bank branch with the passport and TIN and draw up a prolongation. Please note that it is possible to extend the term of the agreement for loans for which the loan repayment holidays were previously connected without extending the term of the agreement, provided that there is no overdue debt under the agreement in the amount of more than one monthly loan payment.

    • For how long and from what period are the loan repayment holidays drawn up?

      The loan repayment holidays program has been developed for 3 months and begins from the month of application. That is if you applied to the branch 2 days BEFORE the payment date, then this month the payment will be reduced and the holidays will be applied. If you applied for a vacation AFTER the date of payment, then the holidays will not be applied this month but will be valid from the next one.

    • What will my loan repayment holidays payment consist of?

      You will only pay interest and monthly commission on the loan. Payments on the body of the loan will need to be paid within the period for which the loan agreement will be extended. If you have the possibility, we recommend that you do not accumulate debt and make payments in a comfortable amount for you.

    • What will the payment consist of during the period for which my agreement will be extended?

      For the extended term of the agreement, you will only pay interest and the body of the loan. No monthly commission will be charged during this period.

    • Where can I find out the payment amount on the loan?

      The amount of the required payment in the current month can always be seen in PUMB Online, PUMB chatbot in Viber.

    • I have a loan with a grace period, will it be extended when drawing up the loan repayment holidays?

      The grace period remains unchanged.

    • What will happen after the holidays are over? How should I pay off my loan debt?

      When connecting the loan repayment holidays with the extension of the agreement, the body of the loan, which during the loan repayment holidays will not be temporarily accrued for payment, will need to be paid during the period for which the loan agreement will be extended.

    • Will the term of my agreement be extended when drawing up the loan repayment holidays?

      Yes, when you connect the loan repayment holidays with prolongation, the agreement term will be extended by 3 months.

    • Will the bank accrue interest on the loan during the loan repayment holidays?

      Mandatory payments within the duration of the loan repayment holidays will contain only interest and monthly commission on the loan. This will allow reducing the financial burden during the period of the loan repayment holidays. Payments on the body of the loan will need to be paid within the period for which the loan agreement will be extended. If you have the possibility, we recommend that you do not accumulate debt and make payments in a comfortable amount for you.

    • Will the bank charge a monthly commission on the loan during the extended term of the agreement?

      No, payments will only contain the principal amount (body) and interest on the loan.

    • What happens if I cannot repay the payment in full, even with the loan repayment holidays?

      You can contact the bank and discuss the terms of loan restructuring. The bank will not apply penalties from March 1 to August 31, 2020. But we recommend not to accumulate debt and make payments in a comfortable amount for you.

    • Where can I repay the loan?

      – Cash:
      you can repay the loan through SSHC of the bank and self-service terminals of PrivatBank, IBox, and EasyPay. For the period from April 1 to August 31, 2020, depositing funds from any specified SSHC is carried out online and at no additional cost.
      – Online:
      you can pay a loan without leaving home using PUMB Online mobile application or on the bank's website, using cards of different banks.

    •  

      There are certain restrictions on the draw up of the loan repayment holidays, namely:

    • - under the agreement, there should be no overdue debt in the amount of more than one monthly loan payment (overdue debt in a smaller amount must be repaid on the date of the credit vacation drawn up)

    • - the loan repayment holidays are already established according to the agreement

    • - the loan product under which your agreement is drawn up may not be covered by the loan repayment holidays program (secured loans, credit cards, etc.)

    • Does the bank provide the loan repayment holidays with prolongation on a loan secured by real estate or a car?

      Yes, the bank has developed programs for providing the loan repayment holidays for loans that were provided against the security of real estate or a car. In order to arrange the loan repayment holidays, you need to apply using:

      • - department for work with overdue debts by phone: 044 390 76 99

      • - hotline of the bank by phones: 044 290 7 290; 050 290 7 290

    • What are the conditions of the loan repayment holidays?

      For customers who have no overdue debts, the loan repayment holidays are offered for a period of up to 3 months.
      For customers who do not pay the loan on schedule — the bank decides to reduce payments on an individual basis.

    • How can I apply to the bank?

      You need to apply by contacting the phones:

      • - hotline of the bank: 044 290 7 290

      • - department for work with overdue debts: 044 390 76 99

    • How long will the bank consider my application?

      Consideration of the application lasts 3 working days, after which a bank representative will contact you and inform you about the decision on your request.

    • Is it possible to provide the loan repayment holidays without visiting a bank branch (remotely)?

      No, unfortunately, this is impossible. If the bank approves the application, several additional agreements are required. Making agreements are carried out in the bank branches with the personal presence of the borrower.

    • If I have an overdue debt, can I apply for the loan repayment holidays?

      Yes, it is possible on individual terms. After reviewing the application, a bank representative will contact you and tell you exactly what conditions you can arrange for the loan repayment holidays.

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