Loans
- „Expres +”
- „Succes”
- „Succes+”
- „Progres”
- "Mortgage credit"
- Credits for residential real estate construction, renovation and purchase of lots of land for construction
- „smartCredit”
- Ordinary Access Credit Card
- Preferential Access Credit Card
- Overdrafts on debit cards
- Loan for current and investment needs with bank deposit insurance
„Expres +”
Destination – current needs
Credit amount – from 2 000 lei to 30 000 lei
Term – 12 months
Interest rate/floating:
- 17% annually, for ustomers who have positive credit history
- 18.5% annualy, for customers without credit history
In order to calculate credit daily interest, in case of reimbursement through annuity method the product of credit balance and interest rate is divided by 365 days of the year (30 days a month), and in case of reimbursement of credit in monthly equal installments, the product of credit balance and interest rate is divided by 365 days of the year (or 366 for a leap year). The Bank is in the right to modify unilaterally the interest amount, depending on increasing rate on deposits in Moldovan lei of physical persons, and will announce the Borrower in written form about the modification in interest amount, at least 10 days before modification.
Other payments non-included in the interest rare:
- Commission for credit use – 2% (minimum 500 MDL) of the credit amount ;
- Administrative fee - 0.15% of the credit amount ;
- Penalty - 0,1% of un-receipted amount, for each day of delay, in case of non payment on term monthly charge for credit.
Insurance – no guarantee, but with compulsory fidejusson of wife/husband (in case the applicant is married), if the husband / wife is absent (is abroad) are accepted the fidejusson with the applicant relatives (degree I or II).
Payment method – monthly, by annuity method, or monthly, in equal installments.
Documents to be presented at receipt:
- Credit line request-questionnaire (presented by the applicant);
- Identity card (original + copy);
- Certificate on monthly net salary, covering the last 12 months;
- Copy of the work book (new+ old), initialed by the authorized person and stamped;
- Two receipts of payment for utilities: the pay phone bill and invoice for payment of maintenance block (if the owner lives in a flat), or bill for natural gas (if the owner lives in private house).
Eligibility criteria for applicant and/or fidejussor
- To be a citizen of the Republic of Moldova and have permanent resident visa for the Republic of Moldova.
- To be aged between minimum 20 (men and women) and maximum 62 – men and 57 - women, the maximum age to reimburse the credit.
- To have a permanent job, a present job history of minimum 12 months.
- To own at least one real estate (herein of real restate is referred to as living facility or plot of land).
Reimbursement capacity is determined on the basis of monthly income of applicant and/or fidejussor, if necessary.