How to get a loan from Aval Bank. Loans from Raiffeisen Bank Aval Raiffeisenbank Aval take a loan online

One of the leaders in the Ukrainian banking sector, Raiffeisen Bank Aval, takes care of its clients, offering the most convenient, profitable and transparent loans for each of them. When developing credit products, the basic needs of various categories of clients are necessarily taken into account. Today the bank offers the following types of lending:

• cash loan;
• cash loan for pensioners.

Beneficial loan products for everyone

How to get a loan

In order to take out a loan from Raiffeisen Bank Aval, you must provide the following documents at the nearest branch:

• Ukrainian passport;
• certificate of assignment of an identification number;
• for men - a certificate of a person liable for military service.

If the person wishing to receive loan funds is a pensioner, a pension certificate must also be provided. After filling out the application, a decision on providing credit funds will be made as soon as possible.

You can take out a loan from Aval Bank in different ways. Depending on what situation happened and what kind of financial assistance the client needs. Let's consider several loan options. The most attractive overdraft is offered by the bank for salary clients and pensioners. Each such client has the opportunity to apply an overdraft to his account.

What it consists of: if the client already owns a bank card, using this service he sets a credit limit (overdraft) on the account linked to the card, which will be automatically offered every month in the amount of up to thirty-five percent of the amount of salary or pension . The lending conditions under this program are as follows: amount - up to twenty thousand rubles or fifty thousand hryvnia, loan term - one year, interest rate - about twenty-eight percent. What are the advantages of this method of lending?

In the first case, this is a free opportunity to set a credit limit and use credit proceeds at will - non-accountability. The service is absolutely transparent - no hidden fees. What is especially beneficial is that interest is accrued only after using the loan, and this is a rare case in any such package of services. And one more bonus - due to the fact that the loan is connected to a salary or pension card, repayment occurs automatically, without the inconvenient appearance on a certain day with documents and other similar gimmicks.

So, in order to take a loan from Aval Bank linked to a salary or pension account, you need to have a citizen’s passport, tax payer identification number, pension certificate for pensioners and, in some circumstances (for men under 25 years old), a document confirming obligations regarding military service. This service applies to clients aged 21 years, that is, adults, up to 70 years old. The service will be activated within two days. However, there are cases when a banking institution refuses to set up an overdraft, but with our help you can find out all the nuances of such situations and avoid them.

You can also take out a loan from Aval Bank in cash. Again, the conditions differ somewhat depending on whether the borrower is a payroll client of the bank or not. The interest rate for each client is individual and is determined only after studying the questionnaire submitted by the borrower at the time of application. Typically for salary clients the interest rate is from 3.5 to 4 percent. For new clients, the interest rate can be up to 5 percent. This loan can be obtained by any citizen who has reached the age of majority (up to sixty years old if a man, and 55 years old if a woman) and is employed.

With the help of our company (for more details, contact a specialist or quickly, online, on the website of a banking institution), you can make a calculation of the approximate amount of monthly established payments, which immediately includes the return of the principal amount in installments and the interest rate. In order to independently, at least approximately, determine the amounts, in the online loan calculator section you need to enter credit information (of course, you need to find out in advance): this will be the interest rate, loan amount, loan repayment method (there are two of them - standard and annuity , that is, when the client fundamentally needs to repay the loan in equal parts) and the repayment period. Click on the “build” button and get a payment schedule. You can choose a loan by filling out a form

If you need money, a cash loan from Bank Aval will help you solve your financial problems easily and quickly. An adult citizen of Ukraine can use the service, but a minimum package of documents will be required to draw up an agreement. Let's get acquainted with the loan conditions at Bank Aval.

Raiffeisenbank terms and conditions

Before taking out a loan from a bank, you should familiarize yourself with the application procedure, as well as study in detail the current conditions for the loan:

• Loan amount – from 2,000 to 250,000 hryvnia
• The interest rate starts from 40% per year or 3.33% monthly
• Loan term – from 1 month to 6 years (the maximum term for “non-customers” is 4 years)
• Age limit - a citizen of Ukraine aged 18 to 75 can take out loans
• Time to consider the application – from 1 working day

Fulfillment of the terms of the contract does not provide for the provision of a certificate of income, collateral or guarantee. At the same time, in order to take money in cash in the amount of more than 16,000, the bank has the right to require official confirmation of your solvency, this applies only to new clients.

Requirements for the borrower

In order for the bank to issue cash in the amount you requested, you need to provide all the necessary documents, namely a Ukrainian passport and identification code. It is worth noting that when concluding the agreement, information about the presence of unpaid loans is not requested, which makes it possible to repay them with a new loan.

How to repay a loan

You can repay the loan in any city - Kyiv, Dnepropetrovsk, Odessa, Kharkov, etc. For this purpose, we offer you several repayment methods; you can use the one that is most convenient for you:

• Terminal
• Bank branch
• ATM
• From a card account (automatically)
• On the official website of the banking organization
• In self-service services
• Using the Internet banking service.

The conclusion of an agreement with Bank Aval provides for life insurance, the payment of which is covered by credit funds. At the same time, the opportunity to take out loans without life insurance remains possible, but you should understand that if an insured event occurs, the responsibility for repaying the loan falls on your family and friends.

Raiffeisen Bank Aval was registered in Ukraine in 1992 and received NBU license No. 10. In 2005, the company became part of the Austrian holding group Raiffeisen Bank International AG.

Lending services from Raiffeisen Bank Aval

Aval offers clients several types of loans.

Credit cards

The basic credit card from Aval is the “I Want Card”. The grace period is up to 57 days, i.e. until the 20th of the next month. The rate is 45.07% per annum, mandatory monthly payment is 5% of the debt. The payment also includes life insurance in the amount of about 0.5-0.7% - this depends on the amount of debt at the end of the month.

Credit limit up to 3 salaries, but not more than 50 thousand hryvnia. Without a certificate of income, 16 thousand hryvnia are available.

Aval also offers a premium credit card Platinum Mastercard. It is beneficial primarily for travelers, as it provides the following advantages:

• visiting the lounge and accelerated passage of control in Boryspil airport, terminal D;
• cash withdrawal from ATMs for abroad without commissions;
• participation in Mastercard reward system, which implies receiving bonus points for purchases - theirs the quantity doubles when paying for goods by card for abroad.

The service fee for Platinum Mastercard is 150 UAH per month. The rate is 42% per annum, the minimum monthly payment is 5% of the debt.

Credit cards from Aval are available to men up to 61 years old, women up to 56 years old or pensioners up to 68 years old.

Cash loan

The loan is issued in the amount from 5 to 300 thousand hryvnia. Without a certificate of income, the limit is limited to 25 thousand hryvnia.

For new clients, the maximum loan term is 2 years, the full rate is 40-60% per annum, depending on income level and other factors.

For clients receiving their salary on a bank card, a loan is available for 6 years with an interest rate of 34% per annum.

Old-age pensioners can receive a cash loan from 2 to 25 thousand hryvnia. The interest rate is 3.3% per month, and monthly insurance of 0.4% of the loan amount is also required.

Money is issued only in cash at the branch, but due to the large number of offices this is most often not a problem. For example, in Kharkov, Raiffeisen Bank Aval is represented by 11 branches.

other services

In addition to lending, Bank Aval offers:

• deposits;
• servicing payment cards;
• Money transfers;
• installments and compensation for purchasing energy-saving products;
• shaft cozy operations and other.

Requirements for borrowers

To receive a loan you must meet the following conditions:

• age from 23 to 68-69 years, depending on the type of loan;
• Ukrainian citizenship and permanent registration for territory of the country;
• experience for current workplace from 1 month.

Order a loan online from Raiffeisen Bank Aval

To apply for a loan from Raiffeisen Bank Aval online, fill out the form on the company’s website. To do this, please indicate on the appropriate page:

• Full name and TIN number;
• contact number;
• desired loan amount and term.

You also need to select the employment type in the drop-down list. If you receive your salary on an Aval card, check the appropriate box.

A manager will call you back within 1-2 business days to clarify the details and inform you about the bank’s decision. After this, you can go to the branch to sign the agreement and receive a credit card or cash.

Loan repayment

The loan must be repaid monthly. If necessary, you can apply for a credit holiday or loan extension.

Early repayment is allowed without penalties, but to do this, you must first submit an application and approve the repayment according to the new schedule.

Repayment methods:

• automatically from the card;
• With using Internet banking;
• V self-service center;
• at the bank's cash desk.

The website contains addresses of offices and ATMs. For example, you can find the Raiffeisen Bank Aval branch in Dnepr both on the map and in the list.

Functions of your personal account in Aval

Internet banking "Aval" provides two modes of operation: informational, which does not imply money transfers, and active, fully functional. With the second one you can:

• view payment history;
• repay a loan or replenish a deposit;
• transfer funds between your accounts or to other cards;
• created Provide templates for payments.

To register a personal account in Avala, enter your card details or personal bank client number on the appropriate page. Then create a password and login.

Please enter your email address. Confirm your registration by following the link in the email and entering the password from the SMS.