Consumer loans
- Credit Card
- Consumer loan without collateral
- Consumer loan with collateral
- Overdraft on salary card
- SmartCredit
- Credit Acum
Consumer loan with collateral
Make your life more beautiful!
We help you fulfill your greatest wishes: buy a car, renovate your home or a vacation of your dreams. With our personal needs loan with guarantees, you will get what you wanted for years, faster than you expect.
- Destination:
- Car purchase
- Other personal needs
- The term: up to 60 months (5 years)
- Amount: is determined on the basis of earnings and proposed insurance, but will not exceed 2 500 000 mdl
- Credit cost:
| Period | Annual interest rate standard / preferential * | Unique Granting commission |
Administration fee |
|---|---|---|---|
| Up to 60 months | 10.5% / 10%* floating |
0% | 0% |
Example: For a loan with collateral (preferential) in the amount of 300,000 lei, for 60 months, DAE (effective annual interest) is 10.48%, monthly rate 6 374.11 lei, total payment amount 382 446.8 lei.
*Annual effective interest rate varies depending on the period and type of loan. Calculate the total cost here.
*Preferential customers - individuals with good credit history and/or who receive their salary and/or pension on MICB cards.
- Payment methods: monthly by annuity method (equal payments) or monthly by classical method (decreasing payments).
- Other payments: according to Tariff Policy of the bank
- Credit insurance can be the objects that correspond to the requirements of the Bank towards collateral: real estate (apartments, buildings); land (intended for construction, non - commercial or with agricultural use); other real estate types; valuable personal goods (cars, tractors and combines), garages, etc.
| Who can benefit? |
|---|
| 1. Resident of republic of Moldova: citizen of RM, foreign citizen or person without citizenship (statelessness), with permanent residence in RM, who: • holds the appropiate identity document, issued by the competent authority of the RM valid at the moment of requesting the loan. |
| 2. Age between 20 - 70 years (the maximum age until which the credit is refunded). |
| 3. Employed for a minimum of 6 months, and at the current job with a minimum of 4 months. Note: Except retired people and those who lease property. |
| What are the necessary documents? |
|---|
| 1. Valid identity card. |
| 2. At least one of the following documents that prove the incomes: • Information received from the State Tax Service, or • The retiree card with the compulsory indication of the current pension, or the statement from the account in which the pension is paid • The statement confirming the earnings obtained from the licensed/ authorized activities for bailiffs, lawyers, notaries, certified interpreters and translators, confirmed by the current account/card statement. |
| 3. Ownership document of the property (as the case may be). |
| 4. Property valuation report (of the collateral) made by an assessor (in accordance with the valuation law) agreed by the bank. |
| 5. Documents for credit insurance. |
| 6. Upon necessity, the bank may request additional documents. |