Products



Typical POS Loan Terms
• 0-50% down payment. Tenor of 2–36 months. UAH denominated. Fixed rate of interest.
• UAH 500–30,000 (US$100 – 6,000 equivalent)
• Repayable in equal monthly installments
• Average effective interest rate 65.0% p.a.
• Automated loan approval procedures
• Loyalty program for return clients
• Flexible installment structure loans and credit insurance options
• Life insurance is sold with POS loans since Jan.07

Recent initiatives in POS loans
• Cash loans are introduced starting from Sept.07
• Share of “insured” POS loans is 45%.
• Car loan program launched in June 2007
• Around 615 thousands cards were issued in 2007