“Oschadbank presented the loan debt in the amount of 640,900 hryvnias, but the couple partially agreed with it. But they accepted it only partially. This is reported in the decision of the Vyshgorod District Court of the Kyiv Region, published on July 14, 2025. On January 16, 2020, between JSC […]”, — write: businessua.com.ua
Oschadbank presented a loan debt of 640,900 hryvnias, but the couple partially agreed with it
Oschadbank presented the couple with the amount of loan debt in the amount of 640,900 UAH But they accepted it only partially. This is reported in the decision of the Vyshgorod District Court of the Kyiv Region, published on July 14, 2025.
On January 16, 2020, JSC “State Savings Bank of Ukraine” and a husband and wife concluded a consumer loan agreement (secured), according to clauses 2.1, 2.2 of which, the bank undertakes to provide the borrower with cash in the amount of 1 million hryvnias for 120 months with the date of final closing of the loan no later than January 15, 2030, if another term and/or period will not be agreed upon terms of this agreement, and the borrower undertakes to accept, properly apply and return the loan, as well as to pay interest for the use of the loan in the amount of 21.49% per annum in the manner and on the terms determined by this agreement (Clause 2.4.1. of the Loan Agreement). On May 13, 2020, the bank and them concluded additional agreement No. 1 to the consumer credit agreement, according to the terms of which amendments were made to the credit agreement and the interest rate was reduced to 17.3 percent per annum. To ensure full fulfillment of their obligations under the credit agreement, a mortgage agreement was signed between the parties, certified by a private notary and registered in the register. According to Clause 2.3 of the mortgage agreement, the subject of the mortgage under this agreement is immovable property, namely: a plot of land and a country house with outbuildings located on it. In addition, in order to guarantee the full performance of its obligations under the credit agreement, a surety agreement No. 39 dated January 16, 2020 was concluded. According to data as of March 17, 2025, the balance of unpaid debt under the credit agreement is: 640,900 hryvnias, of which: the main debt under the loan is 460,265 hryvnias; interest for using credit 180,635 hryvnias.
At the court hearing, the woman partially admitted the claims, in particular regarding the collection of the debt, but objected to the foreclosure of the mortgaged property. She explained that earlier payments were made regularly, but with the beginning of the war they stopped making them. She emphasized that forced foreclosure on mortgaged property is not applied because of the war.
What decision did the court make? The court partially satisfied the claim. From the man and the woman equally in favor of the joint-stock company “State Savings Bank of Ukraine” the debt will be collected under the contract of January 16, 2020 on consumer credit N91_0150 (for mortgage) in the amount of 640,900 hryvnias.
It is clear from the case file that one of the spouses inadequately fulfilled the obligations assumed under the credit agreement, as a result of which the plaintiff appealed to the defendants with requests for early repayment of the loan, but such requests were not fulfilled by the defendants within 60 calendar days. In connection with the above, and taking into account the defendant’s recognition of the specified claim, the court considers the plaintiff’s claim for joint collection of the debt from the defendants under the contract of January 16, 2020 on consumer loan No. 91-0150 (for mortgage) to be satisfied,” the court emphasized.
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