Shakhovets Anastasia
Shakhovets Anastasia

Senior lawyer

Phone numbers
+38 (073) 007-44-54 +38 (073) 007-44-49

Lawyer in the practice of bankruptcy of individuals and individual entrepreneurs. Specializes in write-off of bank and MFI loans through the bankruptcy procedure.

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Legal analysis of credit agreements

Legal analysis of credit agreements

A credit agreement is an important part of business and financial services in Ukraine, so the analysis of credit agreements is important for businesses and citizens who plan to take a loan. A qualitative legal analysis of the loan agreement will help to identify potential risks and make an informed choice regarding lending.

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What is a credit agreement?

A credit agreement is a document that specifies the terms of credit between the creditor and the debtor. The loan agreement contains information about the amount of the loan, the term of its repayment, the interest rate, commissions and other conditions of lending.

What criteria should be taken into account when analyzing a credit agreement?

Analysis of the credit agreement should be carried out taking into account the following criteria:

  • Amount of credit. You need to check whether the credit limit is sufficient for your needs and does not exceed your ability to repay the loan.
  • Loan term. You need to consider the term of the loan because it affects the total amount you have to pay back.
  • Interest rate. It is important to pay attention to the interest rate that will be applied to the loan, because it affects the total amount that you will have to pay.
  • Commissions and other payments. It is necessary to check whether there are additional commissions and other payments that must be paid when lending.
  • Loan repayment conditions. It is necessary to take into account the conditions of loan repayment, in particular, the possibility of early repayment, fines for delays and other conditions.
  • Risks. It is necessary to consider the risks associated with the loan, in particular, the possibility of non-payment of the loan, loss of the workplace and other factors.

What advantages can a legal analysis of a credit agreement have?

Legal analysis of the loan agreement has several advantages:

  • Helps to understand credit terms and risks associated with credit.
  • Allows you to determine whether the loan product is profitable and suitable for your needs.
  • Helps to avoid unpleasant surprises during loan repayment.
  • Allows you to determine whether the cost of the loan is in line with market conditions and competition in the market.

How is the loan agreement analyzed?

To analyze a credit agreement in Ukraine, you need:

  • Familiarize yourself with the lending conditions specified in the loan agreement.
  • Check whether all credit terms are described in detail and are clear.
  • Check the interest rate and all other payments that must be paid during the loan.
  • Check the terms of loan repayment and the possibility of early repayment.
  • Take into account all the risks associated with the loan.
  • Check the conditions that apply to guarantors and sureties.
  • Carefully check all other terms of the loan agreement.
  • Compare the terms of the credit agreement with the terms of other credit products offered on the market.
  • Consult specialists if there are any unclear or disputed clauses in the credit agreement.

Calculate the cost of services

1 question

Do you need to analyze the credit agreement?

Yes
No

2 question

Do you have a credit agreement with the bank?

Yes
No

3 question

Do you have a credit agreement with an MFI?

Yes
No

4 question

Are you in Kyiv or Kyiv region?

Yes
No

Is it possible to go through the bankruptcy procedure if the debt is less than 180,000 UAH?

Bankruptcy can be filed regardless of the amount of debt — there are no minimum limits set by law. However, if the amount of debt is less than UAH 180,000, it is usually more advisable to agree on debt restructuring, as bankruptcy may be economically unprofitable.

If I am not in Kyiv, can I cooperate with you?

Yes, we work remotely throughout Ukraine and even with clients abroad! We have many clients from Lviv, Odessa, Dnipro, Kharkiv, Cherkasy and other settlements.

Communication is carried out in any way convenient for you.

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Bankruptcy

Agreement on the assignment of the right of claim An appeal against a court decision on debt collection Anti-collector Application for initiation of bankruptcy proceedings Assignment of the right of claim under the credit agreement Bankruptcy certificate for legal entities Bankruptcy of a legal entity Bankruptcy of a utility company Bankruptcy of an individual Bankruptcy of an individual entrepreneur Bankruptcy of individuals Certificate from the Unified Register of Enterprises in respect of which bankruptcy proceedings have been initiated Challenging the executive inscription of the notary on the loan Checking the availability of loans for an individual Collect the debt from the guarantor Consultation of a lawyer regarding credit debts Consultation on bankruptcy of an individual Corporate Bankruptcy (Company Bankruptcy) Credit debt collection Credit lawyer Credit restructuring in a bank/microfinance organization Debt cancellation Debt collection for housing and communal services Debt collection under a credit agreement Debt collection under the factoring contract Debt collection under the loan agreement Debt restructuring for housing and communal services Debt restructuring under a credit agreement Debt write-off for credit / microloans Debt write-off in bankruptcy Declaration of bankruptcy Development of a contract of assignment of the right of claim Development of a debt receipt Development of a loan agreement between individuals EBRD lending Executive proceedings for communal services Fictitious bankruptcy File for bankruptcy Financial rehabilitation and bankruptcy of enterprises Forced collection of debt Forced collection of debt under a credit agreement Gas debt restructuring How to get a certificate of bankruptcy / no bankruptcy? Individual Bankruptcy Lawyer Judicial debt restructuring outside of bankruptcy proceedings Lawyer for credits and microloans (MFI) Lawyer under Art. 200 of the Criminal Code – Illegal actions with transfer documents, payment cards and other means of access to bank accounts, electronic money Lawyer under Article 302 of the Criminal Code – Creation or maintenance of places of debauchery and solicitation Legal advice on loans Legal analysis of credit agreements Legal assistance with microcredits (MFIs) Legal support of the assignment of the right of claim Legal support of the bankruptcy procedure Liquidation of a company through bankruptcy proceedings Liquidation of a legal entity Liquidation of LLC with debts Liquidation of the company under the bankruptcy procedure Mortgage write-off under the bankruptcy procedure Obtaining a certificate of absence of bankruptcy Opening of bankruptcy proceedings Protection of creditors’ rights during the liquidation of a legal entity Protection of creditors’ rights in bankruptcy Protection of the rights of consumers of banking services Recognizing a natural person as bankrupt Removal of seizure from the account for payment of wages Removal of seizure from the debtor’s accounts Restructuring debt on a mortgage loan in foreign currency Restructuring of electricity debt Restructuring of foreign currency loan Restructuring of foreign currency loan Privatbank Restructuring of foreign currency mortgage Restructuring of heating debt Restructuring of the debtor’s debts Sanitation of the debtor in bankruptcy cases Sanitation of the enterprise Statement of claim for collection of debt for utility services Statement of claim for debt collection Statement of claim for debt collection under a credit agreement Statement on insolvency of a natural person Support of creditor in the bankruptcy procedure Support of creditors in the debt collection procedure Support of creditors in the restructuring procedure Support of the bankruptcy procedure of a legal entity Support of the bankruptcy procedure of an individual The bankruptcy procedure of an individual Voluntary liquidation of a legal entity through the bankruptcy procedure Write off a loan for a mortgage (housing) Write off a mortgage loan Write-off of accounts payable Write-off of Borgs for utility services Write-off of loan debt for the guarantor