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Archives: Useful tips

5 important steps in the electrical installation of a new home

It’s hard to imagine even a day without ELECTRICITY, and the first stage of a home repair from scratch starts with choosing and installing electrical equipment. Volta, our partner for years, knows best how to equip your home with quality electrical products and is ready to share its advice with us. Let’s go through the […]

What tools do you need for repairs?

To start the repair, in addition to the whole list of materials, you need a few power tools, which will make the work easier and more efficient. Grinding, drilling, screwing, plastering… the list can be completed endlessly. To keep things simple, Pandashop, Microinvest’s trusted partner, has revealed which tools are essential for repair work. So, […]

5 important characteristics when choosing a washing machine

Is your washing machine out of order? It’s time to get a new one. The first step in choosing a washing machine responsibly is to find out more information about the main technical characteristics. Together with Enter, our partner and appliance and electronics expert, we decided to share some handy tips on choosing the best […]

Let’s see what matters when choosing paint

Do you know which material is indispensable in repair work? That’s right, paint for finishing walls, ceilings, or furniture. It helps to bring colour into the home, and to be sure of its quality and durability, it is important to choose it as responsibly as possible. Our partner in Cahul, Gebhardt Plus Company, an expert […]

It’s time to kit out your car for cold weather

November is the right time to change from summer to winter tyres. That’s because winter is just days away, and we could be caught unawares by snow, ice, or frozen slush at any time. There is no specific date to switch to winter tyres. However, to be on the safe side, even in adverse weather […]

Safe on the road! Details that make a difference when choosing quality tyres

Surely every driver knows from experience how important it is to have good wheels, especially in winter. That’s why choosing tyres for the cold season is a responsible investment that requires an informed approach. Equipped with high-quality tyres, you’ll be able to drive safely, even in bad weather conditions. Plus, you won’t have any problems […]

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Acord consimțământul companiei O.C.N. Microinvest S.R.L., IDNO 1003600053518, să prelucreze datele mele cu caracter personal în scopuri de marketing și prospectare comercială, activitate desfășurată, inclusiv prin intermediul contractării terților prestatori de servicii în acest domeniu (apeluri telefonice, e-mail-uri, SMS-uri, notificări pe site sau în aplicațiile mobile ale companiei, publicității targetate în mediul digital sau mesagerii precum: WhatsApp, Viber, Messenger, Telegram, etc.).

Acest acord poate fi retras conform mențiunilor din secțiunea Drepturile subiecților datelor cu caracter personal din politica de confidențialitate și cookies.

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I agree to the processing of my personal data by NBFC Microinvest LLC, IDNO 1003600053518 for marketing and commercial purposes, activities carried out, including by concluding contracts with third-party service providers in this area (telephone, email, SMS, notifications on the website or in the company’s personal account, mobile applications, targeted advertising in the digital environment or messengers, such as: WhatsApp, Viber, Messenger, Telegram, etc.).

This consent may be revoked, as described on the Privacy Policy and Cookies page in the Rights of Personal Data Subjects section.

If you do not agree, remove the check mark and click “Continue”.

Согласен/на на обработку моих персональных данных Н.К.О. Microinvest О.О.О., IDNO 1003600053518 в маркетинговых и коммерческих целях, осуществляемой деятельности, в том числе путем заключения договоров со сторонними поставщиками услуг в этой области (телефонной связи, электронной почты, SMS, уведомлений на сайте или в личном кабинете компании, мобильных приложений, таргетированной рекламы в цифровой среде или мессенджерах, таких как: WhatsApp, Viber, Messenger, Telegram и др.).<br><br>Это согласие может быть отозвано, как описано на странице «Политика конфиденциальности и файлы cookie» в разделе Права субъектов персональных данных.<br><br>Если вы не согласны, удалите галочку и нажмите «Продолжить».
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Pre-contractual information
STATEMENT OF ACCEPTANCE OF THE CREDIT OFFER, ______
(related to entrepreneurial activity)
I, the undersigned, ________________, identified by ___________, series ___, number ________, issued by ___________, on ____________, personal code ____________, declare in full knowledge that the Creditor has made it available to me, and I have made known and accept the following below:
1. Name and Contact Information of the Creditor
Creditor
Address
Phone number
Email Address
Web page
2. Description of main Characteristics of the Credit Product (offer)
Type of loan
Total loan amount
Conditions governing the drawdown of the credit
It means how and when to get money		Depending on the terms of the credit product and the contractual provisions individually negotiated by the parties, the provision will be made by bank transfer to the account indicated by the Debtor or in cash, at the creditor's cashiers, or (at the Debtor's choice) by direct transfer to the Creditor's Partner, after signing the credit agreement and verifying the fulfillment of the eligibility conditions.
Term of credit agreement, months
The credit is granted for a fixed period of time, and its reimbursement is obligatory It is possible to extend the term of the loan for new periods provided that the Debtor meets the eligibility conditions of the Creditor.
Loan purpose: For entrepreneurial / professional activity (trade, production, services, etc.)
The order and rates in which they will be allocated.
The following should be repaid:		 monthly installments of
Date Credit rate Interest rate Commission Total to be paid

These numbers can vary slightly depending of the day of actual credit disbursement

The amount of the first payment represents the commission for the services provided for the loan usage, calculated from the total value of the loan, and paid by the Debtor on the date of granting the loan from own sources or deducted by the Creditor from the loan amount on Debtor choice.

Interest and/or charges are to be paid in the following ordermonthly
Total amount to be paid -
Total cost of credit -
Means amount of borrowed capital plus interest and possible costs related to credit These numbers can vary slightly depending of the day of actual credit disbursement
Necessary guaranteesGuarantee and/or pledge.
Repayments do not lead to immediate amortization of the capitalRepayments can lead to immediate amortization of the capital
3. Costs of the credit
Rates related to the credit
Annual Percentage Rate of Charge (APR)


This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers		%


In order to obtain the loan in accordance with the agreed terms and conditions, it is mandatory to conclude an insurance contract to guarantee the loan or a contract for another ancillary service.
Related costs
Any other costs deriving from the credit agreement
  • Fee for services rendered in relation to usage of credit, calculated and paid as follows:
    • of the credit and paid by the Debtor on the date of granting the credit from own sources or is deducted by the Creditor from the amount of the credit
  • The negotiation / prolongation of the credit can take place by mutual agreement of the parties, by signing an additional agreement, the Creditor being entitled to request an increase in the interest rate within the limits provided by the legislation in force.
  • In case of negotiation / prolongation of the loan, the Borrower shall pay to the Creditor, at the date of the negotiation / prolongation a commission in the amount of 2% from the credit balance at the time of negotiation / prolongation.
Conditions under which the costs related to the credit agreement can be changed
  • The Sides can change the costs related to the credit by written agreement signed by both parties;
  • For the non-constitution of the guarantees within the agreed term, the Creditor is entitled to calculate, and the Client will pay to the Creditor an Interest of delay in the amount of 5% annually, applied to of the daily balance for each day of delay, starting with the date following the term established for the constitution of the guarantee/ s and until the date of the proper execution of the respective obligation.
Obligation to pay for notarial fees / mortgage registration fees / fees for noting the prohibition of pledge in the Transport Register related to the pledge of means of transport (agricultural machinery) Paid by the Client , except as otherwise provided in the pledge / mortgage agreement.
The cost for the valuation of real estate proposed in pledgePaid by the Client directly to the Evaluator
Costs in the case of late payments
Missing payments could have severe consequences for you (e.g. forced sale) and make obtaining credit more difficult
The repayment of the loan is free of charge in the secondary offices of the Creditor, as well as at the discretion of the Debtor through the representatives authorized to collect loan payments. The list of which and their fees are published on the website of the Creditor (www.microinvest.md/cum-achiti-creditul/). In case the Debtor use payment methods with fee, the Debtor cover all the costs of repayment of the loan and undertake to make the payments in such a way that the Creditor receives the agreed repayment amount and without any deductions by third parties processing the refund payment.
4. Other important legal aspects
Right of withdrawal
You have the right to withdraw from the credit agreement within a period of 14 calendar days		Yes
Early repayment
You have the right to repay the credit early at any time in full or partially		Yes
The creditor is entitled to compensation in the case of early repayment The Debtor may repay the loan in full or in part in advance, notifying the Creditor in writing 3 days in advance, and paying an early repayment fee of:
  • % from early repaid amount, if the period of time between the date of early repayment and convened maturity exceeds one year; % from early repaid amount.The early repayment can be made only if the Debtor has no outstanding debts on interest or other amounts to be paid in accordance with the Contract.
  • % from early repaid amount, if the period of time between the date of early repayment and convened maturity does not exceed one year.
Database usage
The creditor must inform you immediately and without charge of the result of a consultation of a database, if a credit application is rejected on the basis of such a consultation. This does not apply if the provision of such information is prohibited by law or is contrary to objectives of public policy or public security The parties may agree on additional terms and conditions, which will be included in the credit agreement. 		Yes
Right to a draft credit agreement
You have the right, upon request, to obtain a copy of the draft credit agreement free of charge. This provision does not apply if the creditor, at the time of the request, is unwilling to proceed to the conclusion of the credit agreement with you		Yes
The period of time during which the creditor is bound by the pre-contractual obligationsThis offer is valid for 15 calendar days after it is issued.
In this regard, I subsequently declare that:
  • I was provided with the necessary information, the essential characteristics of the above-mentioned credit product were explained (interest rate, number of commissions, credit costs, early repayment conditions, total amount to be paid), as well as the consequences of non-compliance with contractual clauses;
  • the costs included in the total cost of the loan were explained to me, including the costs for ancillary services related to the credit agreement;
  • I was offered the possibility to negotiate individually the contractual clauses in the credit agreement that I intend to sign, I negotiated individually the granting commission, the monthly commission, the amount of penalties and I mention that its clauses do not disadvantage me, being fair in the report mine with the creditor;
  • I was asked by the creditor about the probable importance of the information provided and whether essential circumstances that I expected to be provided were not omitted in order to make an informed and rational decision about concluding the potential credit agreement.
  • the information provided and the corresponding explanations allowed me to assess, including the personal analysis of other offers of third party creditors, whether the proposed credit agreement is tailored to my needs and financial situation;
  • I know the content of the contract and all its conditions have been explained to me, I have understood and accepted them, and the documents and information underlying the conclusion of the contract are complete and accurate;
  • I know the law, the normative acts that will govern the contract, as well as the lack of consumer quality;
  • I have no ambiguities or misunderstandings regarding the terms of the contract;
  • the credit product corresponds to the purpose described above and will be used according to the destination and the economic activity carried out.
  • The assets procured/resulted/constructed/repaired from received loan sources will be registered/transmitted in the social capital of the company where my business activity is carried out and/or will be used jointly by the members or individually however strictly for running my business activity.

(Signature)
NBFC Microinvest LLC will get access to information about my credit history contained in the database of credit bureaus and/or provide information about the fact of applying for a loan or about my financial obligations arising from the concluded loan agreement, in order to form a credit history, from/to credit bureaus/offices: BCH Infodebit Credit Report O.O.O., IDNO 1017600009673, address: MD-2069, mun. Chisinau, 10 B Calea Eshilor str., fl. 5; Credit Bureau O.O.O., IDNO 1008600017816, address: MD-2012, mun. Chisinau, Alexandru cel Bun str., 49; VIA SCOPE O.O.O., IDNO 1013600028924, address: MD-2071, mun. Chisinau, Alba Iulia str., 75, fl. 7; DATOR CO O.O.O., IDNO 1019600042694, address: MD-2005, mun. Chişinău, sector Riscani, 45 Puşkin Alexandr str.
I agree to the processing of my personal data by NBFC Microinvest LLC, IDNO 1003600053518 for marketing and commercial purposes, activities carried out, including by concluding contracts with third-party service providers in this area (telephone, email, SMS, notifications on the website or in the company's personal account, mobile applications, targeted advertising in the digital environment or messengers, such as: WhatsApp, Viber, Messenger, Telegram, etc.).

This consent may be revoked, as described on the Privacy Policy and Cookies page in the Rights of Personal Data Subjects section.

If you do not agree, remove the check mark and click "Continue".
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