{"id":3372,"date":"2026-07-03T12:01:23","date_gmt":"2026-07-03T09:01:23","guid":{"rendered":"https:\/\/svaroglaw.com\/advokat-po-kredytam\/restrukturizacziya-kreditiv\/"},"modified":"2026-07-22T15:04:13","modified_gmt":"2026-07-22T12:04:13","slug":"restrukturizacziya-kreditiv","status":"publish","type":"page","link":"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/restrukturizacziya-kreditiv\/","title":{"rendered":"Loan restructuring"},"content":{"rendered":"<p>Loan restructuring is a lawful way of amending the terms of a loan agreement so that repayments become manageable, rather than allowing arrears and late payment charges to accumulate and facing legal proceedings. Under Article 17 of the Law of Ukraine \u2018On Consumer Credit\u2019 No. 1734-VIII, restructuring is defined as making changes to the essential terms of the agreement, resulting in a change to the terms and\/or the repayment schedule of the loan. In other words, it is not merely an \u2018instalment plan\u2019: it is possible to change the term, the repayment schedule, the interest rate, the order of repayment of the principal and interest, and, quite often, to write off part of the late payment charges and penalties.<\/p>\n<p>The key point that most borrowers are unaware of is that, in certain cases, the bank is obliged to agree to restructuring, rather than simply \u2018may consider\u2019 it. Under the final provisions of the same law (Article 7-1), for foreign currency and hryvnia loans taken out before 24 February 2022, mandatory restructuring is provided for at the borrower\u2019s request \u2014 subject to the following conditions being met: the loan is unsecured, there is no court ruling or ongoing enforcement proceedings, and the loan is in arrears. Under martial law, a material change in circumstances and force majeure (mobilisation, relocation, loss of housing or income), confirmed by the Chamber of Commerce and Industry, constitute valid grounds for revising the terms.<\/p>\n<p>We assess your contract, determine whether you are entitled to request restructuring, prepare a well-founded application to the bank or <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/\">MFI<\/a> and conduct negotiations; if the lender refuses to cooperate, we involve the NBU and the courts.<\/p>\n<p><strong><a href=\"tel:380955545424\">+38 095 554-54-24<\/a> \u2014 advice on loan restructuring.<\/strong><\/p>\n<h2>What exactly can be changed when restructuring a loan<\/h2>\n<p>As the law treats restructuring as a change to the essential terms of the contract, the range of options is quite broad:<\/p>\n<ul>\n<li>extending the loan term whilst reducing the monthly repayment;<\/li>\n<li>deferral (payment holiday) \u2014 temporary payment of interest only or a pause in repayments;<\/li>\n<li>reduction or fixing of the interest rate;<\/li>\n<li>change in the currency of the obligation for foreign currency loans;<\/li>\n<li>waiving or reducing accrued late payment charges, penalties and part of the interest;<\/li>\n<li>changing the order in which payments are applied (principal first, then interest).<\/li>\n<\/ul>\n<p>The specific set of options depends on the type of loan, the presence of collateral and your ability to pay. It is important not to confuse this service with the broader <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/restrukturyzacziya-borgu\/\">debt restructuring<\/a>: this specifically concerns loan agreements with banks and MFIs and the specific rights of the borrower under the Law \u2018On Consumer Lending\u2019.<\/p>\n<p><a href=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/restrukturizacziya-kreditiv.svg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-4273\" src=\"https:\/\/svaroglaw.com\/wp-content\/uploads\/2026\/07\/restrukturizacziya-kreditiv.svg\" alt=\"loan restructuring: grounds under Articles 17 and 7-1 of the Law \u2018On Consumer Lending\u2019, what can be changed and how to proceed if the bank refuses\" \/><\/a><\/p>\n<h2>When a bank is obliged to restructure a loan<\/h2>\n<p>A legal claim is what distinguishes a well-founded request from a plea to \u2018see things from your perspective\u2019. Mandatory restructuring under Article 7-1 of the final provisions applies to loans taken out before 24 February 2022, provided that all the following conditions are met: no collateral, no court order or enforcement proceedings, and the loan is in arrears. Furthermore, the Law \u2018On Consumer Credit\u2019 expressly prohibits a lender from evading consideration of a borrower\u2019s justified request \u2014 and a breach of this prohibition constitutes grounds for a complaint to the National Bank, which oversees the protection of consumers\u2019 rights in relation to financial services. If, however, the grounds are a material change in circumstances, Article 652 of the Civil Code applies, allowing the contract to be amended through the courts.<\/p>\n<h2>When is restructuring advisable, and when should you consider bankruptcy?<\/h2>\n<p>Let\u2019s be honest: restructuring isn\u2019t always the best solution. It makes sense when you have an income, but your current repayment is temporarily too high, and you can realistically service the loan under the new terms. However, when you have several debts that exceed any realistic ability to pay, and \u2018stretching out\u2019 the repayments will only increase the total overpayment, \u2014 a more honest solution may be <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/proczedura-bankrutstva-fizychnoyi-osoby\/\">personal bankruptcy<\/a> with debt write-off. During your consultation, we will tell you straight away which option is more beneficial in your specific situation, and we will not try to persuade you to opt for restructuring where it will merely postpone the problem.<\/p>\n<h2>How we carry out loan restructuring<\/h2>\n<ul>\n<li>we analyse the loan agreement, repayment schedule and accrued penalties, and establish your legal rights;<\/li>\n<li>we determine whether there are grounds for compulsory restructuring or a change in terms through the courts;<\/li>\n<li>we prepare a well-founded application to the bank or MFI setting out specific demands;<\/li>\n<li>we conduct negotiations and set out the agreements in a written supplementary agreement;<\/li>\n<li>in the event of refusal or disregard, we lodge a complaint with the NBU and take the matter to court;<\/li>\n<li>we verify the legality of previously charged late payment interest, penalties and fees.<\/li>\n<\/ul>\n<h2>What risks does a borrower face if they act alone?<\/h2>\n<p>The first risk is signing a \u2018restructuring\u2019 agreement on the bank\u2019s terms, in which overdue late payment interest is capitalised into the principal of the loan, effectively increasing the debt. The second is failing to exercise the right to mandatory restructuring simply because they were unaware of it. The third is agreeing during negotiations to a debt amount that includes unlawfully charged fees, which could have been contested. The fourth is to opt for restructuring in situations where it would have been more advantageous to have the debt written off through bankruptcy, and to spend years paying off a debt from which they could have been released. Each of these mistakes costs money, and each can be avoided by weighing up the options in advance.<\/p>\n<h2>Cost of services (loan restructuring)<\/h2>\n<table>\n<tbody>\n<tr>\n<th>Service<\/th>\n<th>Price<\/th>\n<\/tr>\n<tr>\n<td>Consultation with analysis of the loan agreement<\/td>\n<td>from 1,500 UAH<\/td>\n<\/tr>\n<tr>\n<td>Legal opinion on grounds and strategy<\/td>\n<td>from 5,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Preparation of a submission and support during negotiations with the bank<\/td>\n<td>from 5,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Complaint to the NBU \/ preparation of a claim<\/td>\n<td>from 5,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Legal representation in court<\/td>\n<td>from 10,000 UAH<\/td>\n<\/tr>\n<tr>\n<td>Comprehensive \u2018turnkey\u2019 support<\/td>\n<td>from 25,000 UAH<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>The exact cost depends on whether the matter can be resolved through negotiation or whether court proceedings are required. If there is a parallel issue of debt recovery against you, please also see the page <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/styagnennya-borgu\/\">debt recovery<\/a> \u2014 we handle defence in such cases as part of our <a href=\"https:\/\/svaroglaw.com\/en\/advokat-po-kredytam\/\">loan lawyer<\/a> practice.<\/p>\n<h2>Questions and answers (loan restructuring)<\/h2>\n<h3>Can a bank refuse to restructure a loan?<\/h3>\n<p>As a general rule, restructuring is carried out by mutual agreement between the parties. However, for unsecured loans taken out before 24 February 2022, where there is a payment arrears and no court judgement, the right to mandatory restructuring applies. Furthermore, the law prohibits a creditor from refusing to consider a justified application.<\/p>\n<h3>What can be changed during loan restructuring?<\/h3>\n<p>The term, repayment schedule, interest rate, repayment method, and often \u2014 the write-off of part of the late payment charges and penalties. By law, restructuring involves changing the essential terms of the contract, so there are many options available.<\/p>\n<h3>Will my late payment charges and penalties be written off?<\/h3>\n<p>This is a matter for negotiation, and it often happens. Furthermore, some of the accrued late payment charges, penalties and fees can be challenged as unlawful \u2014 this reduces the debt separately.<\/p>\n<h3>I have a foreign currency loan. Can this be restructured too?<\/h3>\n<p>Yes. There are specific mechanisms in place for foreign currency loans, including changing the currency of the obligation. The terms depend on the contract and the presence of collateral \u2014 we assess each case individually.<\/p>\n<h3>Will restructuring damage my credit history?<\/h3>\n<p>Restructuring is recorded in your credit history, but this is far better than default, court proceedings and enforcement proceedings. For future borrowing, a settled debt always looks more favourable than a default.<\/p>\n<h3>The bank has taken me to court. Is restructuring still possible?<\/h3>\n<p>An agreement can be reached at any stage, including reaching a settlement in court. However, the right to mandatory restructuring remains in force until a court ruling is issued, so you shouldn\u2019t delay.<\/p>\n<h3>How does your service differ from approaching the bank yourself?<\/h3>\n<p>We approach the matter from a legal standpoint, rather than as a request: we cite specific legal provisions, set out your requirements and prevent late payment penalties from being capitalised into the principal. This changes both the tone of the negotiations and the outcome.<\/p>\n<h3>What if it\u2019s more advantageous simply to write off the debts?<\/h3>\n<p>Then we\u2019ll say so. When the debt burden exceeds one\u2019s actual ability to pay, personal bankruptcy with debt write-off can be a fairer solution than restructuring.<\/p>\n<h3>How long does restructuring take?<\/h3>\n<p>Negotiations with the bank usually take a few weeks. If court proceedings or a complaint to the NBU are required, it takes longer. We\u2019ll give you precise timelines after analysing the contract.<\/p>\n<h3>How much do your services cost?<\/h3>\n<p>From 1,500 UAH per consultation. The cost of our support depends on the complexity of the case and the number of creditors \u2014 we\u2019ll provide a quote after reviewing the documents.<\/p>\n<h2>Contact a lawyer at Svarog for loan restructuring<\/h2>\n<p>Please send us your loan agreement, repayment schedule and any correspondence you have already received from the bank. We will assess whether you are entitled to request loan restructuring, work out which option is more favourable, and take charge of negotiations with the creditor. If restructuring is not the best solution, we will honestly suggest an alternative.<\/p>\n<p><strong>Telephone: <a href=\"tel:380955545424\">+38 095 554-54-24<\/a>, +38 096 554-54-25 (Telegram, Viber, WhatsApp). Address: 7 Khoriva Street, Office 2, Kyiv (Podil). Opening hours: Mon\u2013Fri, 9.00\u201318.00.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Loan restructuring is a lawful way of amending the terms of a loan agreement so that repayments become manageable, rather than allowing arrears and late payment charges to accumulate and facing legal proceedings. Under Article 17 of the Law of Ukraine \u2018On Consumer Credit\u2019 No. 1734-VIII, restructuring is defined as making changes to the essential [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3373,"parent":2301,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/with-sidebar.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3372","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Restructuring of loans and loan debt, amendment of terms and conditions, and rights of claim; solicitor, barrister<\/title>\n<meta name=\"description\" content=\"Restructuring of loans and outstanding debt with the assistance of a solicitor. 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