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    PURCHASE TERMS AND CONDITIONS

    DISCOUNT SYSTEM



    Discounts up to 11%

    INSTALMENT PLAN FROM THE DEVELOPER UP TO 8 YEARS

    Fisrt payment: from 10% of apartment value.

    For the construction period the instalment is interest-free. During this period, you have to pay at least 50% of the apartment value.

    The residue can be divided into monthly payments for another 5 years. In this case, 7 to 12% per annum will be charged depending on the term chosen and the residue amount.

    LOAN PROGRAM

    As part of the accreditation with the partner bank "CRYSTALBANK" you have the opportunity to use a loan program "Step to your own housing" with record low interest rates for the use of loan funds. Advantages of the lending program:

    • fast decision-making on the possibility of credit granting and obtaining a bank loan
    • the lowest interest rates on Bank loan (from 0.01% per annum)
    • convenient loan repayment profile (classic)
    • flexible credit terms: from 1 to 20 years
    • advanced repayment of credit without penalties or any restrictions
    • no monthly fees
    • no additional security requirements posed by the Bank
    • no real estate appraisal costs



    Credit terms for the program "Step to your own housing"

    Credit repayment method Classic
    Credit term, month 240 240 12 240 240 240
    Initial instalment With advance instalment 50% With advance instalment 30%
    Lending terms Option 1 Option 2 Option 3 Option 4 Option 1 Option 2
    Interest rates (nominal) first 12 months (1st year) 0,01 % 0,01 % 5,0 % 7,5 % 6,0 % 13,0 %
    13 - 18 months (inclusive) - 21,5 %
    19 - 24 months (inclusive) 18,9 % 20,9 %
    2nd year
    3rd year 24,0 % 22,0 %
    Single credit facility fee, excluding VAT 1,5 % 1,0 % 0,5 % 3,5 % 2,0 % 1,5 %
    Monthly fee for credit administration None

    You can find detailed information about credit terms and conditions "Step to your own housing" in the sales offices or "Crystalbank" specialists.