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Conditions of the loan repayment holidays

for holders of PUMB credit cards
for the period of quarantine

PUMB has developed the 3-month loan repayment holidays program for holders of credit cards. It does not cancel loan payments, but temporarily decrease them to reduce the financial burden.

Conditions of the loan repayment holidays:

  • The loan repayment holidays are connected automatically, so you do not need to put in an application or contact the call center.

  • The loan repayment holidays are valid for all PUMB credit card holders whose payment dates are from March 30 to June 30, 2020.

  • Mandatory credit card payments that are charged by the Bank from March 30 to June 30, 2020, will contain only interest on the loan.

  • Payments on the loan principal, which temporarily are not subject to mandatory payment during the loan repayment holidays, will need to be paid later. These payments will be evenly split and included in the following payments in such a way as to gently bring the customer to the preliminary schedule and amount of payments.

  • Customers who do not need the loan repayment holidays can pay without limit more than the mandatory payment calculated during the holidays, including for the purpose of using the terms of the grace period.

  • The amounts of obligatory payment, full repayment or grace period can be found in PUMB Online.

EXAMPLE for conditional mandatory payment by a credit card in the amount of 833 UAH

The mandatory payment of 833 UAH, which consists of:

The mandatory payment for the period of the loan repayment holidays, which consists of:

393 UAH (charged interest on operations (withdrawals/transfers)

393 UAH (charged interest on operations (withdrawals/transfers)

300 UAH (3% of the debt (purchases and cash withdrawals)

20 UAH (commission for transferring to a third Bank, commission for the “Splachui chastynamy” service)

120 UAH (the “Splachui chastynamy” service)

Temporarily not charged

Answers to the questions that you may have

    • How can I connect the loan repayment holiday?

      The loan repayment holidays are connected automatically and are valid for all PUMB credit card holders whose payment dates are from March 30 to June 30. There is no need to put in an application or contact the call center in order to activate the loan repayment holidays on PUMB credit cards.

    • Should I go to a branch to draw up the loan repayment holidays?

      No, the loan repayment holidays are drawn up automatically.

    • If I have a past-due debt, may I draw up the loan repayment holidays?

      The loan repayment holidays are automatically drawn up to all credit card holders, without exception. If you have not paid the payments before this date (before March 5, 10, 25), the holidays do not apply to them but apply to all future payments from 03.30.2020 to 06.30.2020.

    • What term and when are the loan repayment holidays drawn up?

      The program is created for a period of 3 months, it will help to reduce the financial burden of paying a loan by almost half and avoid overdue payments: the period from March 30, 2020, to June 30, 2020.

    • What will my loan repayment holidays payment consist of?

      The loan principal will not be temporarily charged, you will only pay the interest on your loan. Payments on the loan principal, which were not charged during the loan repayment holidays, will need to be paid after June 30, 2020.

    • What will happen after the holidays? How should I pay the credit card debt?

      The loan principal, which was not temporarily charged during the loan repayment holidays for payment, will need to be paid later. These payments will be evenly split on subsequent, after the end of the loan repayment holidays. You can also continue to pay more than the payment calculated by the Bank so as not to accumulate debt.

    • How can I refuse the loan repayment holidays?

      The loan repayment holidays are connected automatically, but if you want to keep the terms of use for the grace period and you don’t want to accumulate the debt – the amount of the obligatory payment, full repayment or grace period can be viewed in PUMB Online, Viber chat-bot and pay as always.

    • Will the Bank charge any interest on a loan during the loan repayment holidays?

      Mandatory payments, within the scope of the loan repayment holidays, will contain only interest. If you have the opportunity, we recommend that you do not accumulate debt and make payments in the amount convenient for you.

    • Will an increased interest rate be applied for the CC during the holidays period?

      According to the Law of Ukraine No. 533-IX, for those customers who cannot repay their payments on time, from March 1 to May 31, 2020, there will be no increase in the interest rate on the loan.

    • Where can I find out the loan payment amount?

      The amount of obligatory payment in the current month can always be seen in PUMB Online, Viber chat-bot. After the loan repayment holidays, you will see the new payment amount.

    • – Cash:

      you can repay the loan through SSHC the Bank and self-service terminals of PrivatBank, IBox, and EasyPay. For the period from April 1 to June 30, 2020, depositing funds to the account from any specified SSHC is carried out online and without additional costs. To avoid delays, funds must be paid into the account before 18:00 of the payment date.

    • – Online:

      you can pay the loan without leaving your home using the PUMB Online mobile application or on the Bank’s website, using cards of different banks.

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