Loans
Loans from Raiffeisen Bank are divided into several categories according to customer’s needs.
What is credit and credit history?
A loan is a financial service in which the creditor (an ordinary bank) provides the borrower with value for a certain period of time for a certain fee. Your amount is repeated with interest charged for the use of funds. The bank reviews the credit history when considering the loan application.
Your credit history is your financial record. It records your credit habits. Do you pay back on time? Have you had any late payments? How many loans have you already taken and how did you repay them?
Banks check this information when you apply for a new loan. If your credit history is positive and you have always returned money on time, banks will gladly grant you a new loan. However, if there were problems, you may be refused. So, bad credit can make it difficult to get a loan when you really need it.
Benefits
Cash loans
Taking out a loan is as easy as repaying it. This can be done simply from home. It's time to use online banking services and apply for a loan in the MyRaif application.
Credit cards
Credit cards from Raiffeisen Bank are designed for comfortable obtaining and repayment of loans. Obtaining a credit card is easy: you need to complete an application, after which you will be invited to come to the branch and approve the terms of obtaining a loan.
- Convenient for daily calculations
- Profitable, because calculations without commissions
- There is a cashback with a choice of categories in MyRaif
My credit history
Raiffeisen Bank offers borrowers access to their own credit history by using the services of the First All-Ukrainian Bureau of Credit History. A bank loan is transparent and controlled.
- Ease of registration — just your passport and tax code
- Increased protection against fraudsters
- Convenience — verification of information is available 24/7
Loans repayment
Thanks to new services from Raif, you can pay off all types of loans quickly, safely and free of charge using a payment card of any bank.
Information for clients - military persons
Raif does everything possible to continue to be a reliable financial partner for every Ukrainian. We are committed to helping and supporting our defenders and their families during this difficult time for our country. From now on, you can take out a loan on preferential terms: without interest or fines.
Credit Holidays For Your Credit Card
During the quarantine, we take care of you even more, so if you have financial difficulties due to restrictions related to the quarantine, you can take advantage of the credit holiday.
#RaiffeisenHelps
Credit Vacations For Cash Loan
We are closely monitoring the development of the situation, therefore, during the quarantine, we are introducing credit holidays for cash loans.
#RaiffeisenHelp
Mortgage loan restructuring
If you have financial difficulties related to the restrictions during the quarantine, you can take advantage of loan restructuring programs at the bank.
#RaiffeisenHelp
To borrowers: mortgage and personal insurance programs
The list of insurance companies in which borrowers and guarantors can enter into insurance contracts for the fulfillment of credit obligations