THE BORROWER SHALL BE ENTITLED TO PREMATURELY DISCHARGE (REDEEM), IN FULL OR IN PART, THE LIABILITIES UNDER THE CONTRACT, IN WHICH CASE THE PRINCIPAL AMOUNT OF THE LOAN SHALL BE REDUCED  IN THE AMOUNT BEING PAID; THE TOTAL EXPENDITURES FOR CREDITING THE BORROWER SHALL BE REDUCED PROPORTIONATELY. IN THAT CASE, THE INTEREST ACCRUED TO THE BALANCE OF THE PRINCIPAL AMOUNT OF THE LOAN AND THE MAINTENANCE FEE ACCURED TO THE BALANCE OF THE PRINCIPAL AMOUNT OF THE LOAN SHALL BE SUBJECT TO REDUCTION FROM THE TOTAL CREDIT COSTS. MEANTIME IN THE EVENT OF EXERCISING ITS RIGHT HEREUNDER, THE BANK MAY NOT APPLY RESPONSIBILITY MEASURES.

In the event of a non-performance or improper performance of his/her liabilities under the Loan Contract, the Borrower may be stripped of his/her right to the property being acquired/pledged. 

In the event of an incomplete redemption of the loan liabilities, the full redemption of such liabilities shall be made at the expense of other resources and property units owned by the borrower and the pledgers.  

In the event of overdue liabilities, the redemptions shall be made in the following sequence: the Borrower’s receivables with respect to the Bank generated as part of loan contracts, penalty amount settled for (accrued to) the overdue interest, interest settled for (accrued to) the overdue Loan, settled (accrued) yet unpaid overdue interest, overdue Loan amount, loan maintenance fee, fixed-term interest settled (accrued) for the use of the Loan, Loan amount.

The sequence of monetary liabilities may change at the Bank’s discretion without notice to the Borrower and/or the Co-Borrower.

The Bank undertakes to issue the contract proposal to the customer seven days in advance, providing a seven-day reflection period, 

The Bank's MOBILE BANKING application enables features such as money transfers, loan redemptions, viewing of account balances and transactions, payments and numerous other transactions that can be accessed by following the link here.

The loans shall be issued by using the Bank-approved standard form contracts. In the event of purchasing and pledging car parking lots, separate loan and pledge contracts shall be signed. The pledge contract (contracts) shall be authenticated notarially. The pledge of right to the purchase of an apartment, the right to ownership and the Bank's right to pledge (after completing the construction) and other property rights shall be subject to state registration. 

ATTENTION:

The loan interests are accrued based on the nominal percentage rate. The actual annual percentage rate reveals the loan value in the event of the payment of the interests and other fees within the specified timeframes and in the specified amounts. For detailed information on calculation procedure of the actual annual percentage rate please visit the following link.