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.

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 must be taken into account. Today the bank offers the following types of lending:

• cash loan;
• cash loan for pensioners.

Beneficial loan products for everyone

The main feature of loan offers from Raiffeisen Bank Aval is that they are issued exclusively in national currency. The amount of credit funds issued to the client can vary from two to one hundred thousand hryvnia. In this case, the lending period, as a rule, ranges from two to four years. However, those clients who receive wages on Raiffeisen Bank Aval cards can obtain a loan for a longer period - up to six years. The monthly interest rate varies from 3.55% to 4.55% and is determined in each case individually.

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