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JSC "BANK TRUST-KAPITAL" warns about:
1) possible consequences for the client in the case of using the credit service or failing to fulfill his obligations under the credit agreement:
- in the case of late payment obligations, the bank charges a penalty for the amount of the unpaid (overdue) payment, which consists of a penalty and a fine, the calculation procedure and cases of collection of which are provided for in the terms of the credit agreement (the amount of the fine is 1% (one) percent from the amount of payment outstanding (unreturned) within the repayment (repayment) period of the loan; the amount of the penalty is double the NBU accounting rate, calculated for each day of delay in payment);
- in case the borrower delays payment of part of the loan and/or interest for at least three calendar months, the bank has the right to demand the return of the loan, the term of which has not yet arrived, in full;
- in case the borrower violates the terms of the credit agreement and/or the terms of other agreements concluded within the limits and/or to ensure the performance of the borrower's obligations under the credit agreement, the bank has the right to make a decision on early repayment of the loan and in such a case the loan repayment term and obligations the borrower's obligation to return the loan is the thirtieth calendar day from the date of sending the demand for early loan repayment to the borrower by registered letter or registered letter with delivery notice.- the bank has the right to carry out, in accordance with the procedure of contractual write-off, operations to write off funds from the borrower's current account at JSC "BANK TRUST-KAPITAL" and from any other accounts of the borrower that were opened by the borrower at the bank on the day of signing the credit agreement, as well as from those accounts that will be opened by the borrower in the bank and/or available to the borrower in the bank after the credit agreement enters into legal force, the sums of money due to the borrower for the fulfillment of the borrower's obligations under the credit agreement, for the payment of interest, and/or for repayment of the loan, and/or for the payment of fines, and/or for compensation for damages, and/or commissions, other monetary obligations that may arise during the entire term of the credit agreement, in the amount, at the time and on accounts that determined by the credit agreement and/or written notification of the bank.
- Premature collection from the borrower, incl.by foreclosing on the pledged property (property rights), the amount owed (loan, interest on the loan, penalty) in case of violation by him of any
condition of the loan agreement (in particular, in case of a one-time delay in the payment of interest) and/or the agreement concluded to ensure the fulfillment of obligations the borrower's account;
2) the fact that the bank is prohibited from requiring the client to purchase any goods or services from the bank or a person related or related to it as a prerequisite for the provision of these services (except for the provision of a package of banking services);
3) the fact that the client has the opportunity to repay the loan early;
4) the fact that there are no penalties for early repayment of the loan;
5) the fact that the Consumer Credit Agreement can be changed or terminated by mutual consent of the Parties or in cases expressly defined by legislation;
6) the fact that any changes to the consumer credit agreement, as well as termination of the consumer credit agreement, are drawn up in the form of additional contracts to the consumer credit agreement;
7) the fact that the bank does not have the right to unilaterally make changes to contracts concluded with clients, unless otherwise established by the contract or law;
8) the ability of the client to refuse to receive advertising materials through remote electronic service channels.
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