NovaPay Financial Group is developing rapidly. We have issued corporate bonds NovaPay Credit for business development.
Bonds are securities through which companies raise additional funds, and customers receive an income higher than from bank deposits.
Invest in a stable and reliable Ukrainian business that is actively growing 📈
👉 To buy bonds, you need the stylish NovaPay app and a few minutes– And ta-dah! You’re already investing.
Nothing complicated, just like for a cool investor 😎
NovaPay Credit is part of the NovaPay financial group. The license of NovaPay Credit LLC for the activities of a financial company was reissued by the NBU on 03.12.2024.
Terms and conditions
The yield
up to 19% per annum
Term
1–12 months
Transaction amount
from UAH 1 thousand to 5 million
Payment of income
at the end of the termHow to buy bonds
in the NovaPay app
Choose
Confirm
Pay
How much can you earn
Buy
See
Sell
Get
The yield
- 1 month – 10% per annum
- 2 months – 14% per annum
- 3 months – 16,5% per annum
- 4 months – 17,5% per annum
- 6 months – 18% per annum
- 9 months – 18,5% per annum
- 12 months – 19% per annum
The income is taxed similarly to the income from a bank deposit
FAQ
How do I buy NovaPay bonds?
Register in our stylish NovaPay app. 👉On the main screen, in the "Savings" section, click on "Buy NovaPay bonds". You will see the general conditions for buying bonds. 👉Choose for how long and how much you want to invest in bonds. Confirm your application. 👉After processing the application, sign the investor documents in the application and pay the cost of the bonds. 😎Congratulations, investor! Watch your money drip in every day. At the end of the term, we will return the invested amount and pay the income to your card. Please note that you must have a Diia.Signature. Without it, you will not be able to sign an application for the purchase of NovaPay bonds 👆
What are the terms and conditions of NovaPay bonds?
NovaPay bonds are corporate non-convertible securities of NovaPay Credit LLC with a fixed interest rate. We issued them through a public offering. Currently, only individuals can buy bonds through the NovaPay app. The term is from 1 to 12 months. Accordingly, upon expiration of the chosen term, we will return the invested amount and pay the accrued income, from which taxes will be withheld. ❌Early redemption is not available. To buy bonds, you need a broker – a company licensed to deal in securities. So we will help you conclude an agreement with the broker "Univer Capital" (license of the National Securities and Stock Market Commission No. 487 dated 21.04.16) and open a securities account. Everything will be done in the NovaPay app via Diia.Signature in a few minutes👌 More information: About NovaPay Credit LLC About corporate bonds of NovaPay Credit LLC
How is the income from the bonds taxed?
The income is taxed similarly to the income from a bank deposit. It is 23% for individuals: personal income tax – 18%, and military duty – 5%. These funds will be withheld before the income is paid out.
Do I have to pay taxes and file a declaration?
After the investment term expires, taxes will be withheld from your income:
- 18% personal income tax;
- 5% military duty.
Do I need an income statement to buy bonds?
Most investors will be able to buy bonds using the NovaPay app without additional documents. However, users who invest significant amounts need an income statement from Diia. 👆When the investment amount reaches UAH 400,000, we will ask you to confirm the origin of the funds. It's easy: 👉Get an OK-5 or OK-7 certificate in the Diia app. 👉Go from the NovaPay app to online support and send us the documents. 👉After the documents are verified, the limit for buying bonds in your mobile application will increase.
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