Our managers will contact you and answer
to all your questions.
Our managers will contact you and answer
to all your questions.
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with internal procedures and applicable law.
Наши менеджеры обязательно свяжутся с Вами и ответят на все Ваши вопросы в ближайшее время.
| Client's Name | |
| Client's Surname | |
| Personal Identity Number | |
| Currency | |
| Term | |
| Rate | |
| Amount | |
| Monthly payment | |
| Amount to receive | |
| Purpose | |
| Comments |
| 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 | |||||
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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 order | monthly | |||||
| 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 guarantees | Guarantee and/or pledge. | |||||
| Repayments do not lead to immediate amortization of the capital | Repayments 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 |
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| Conditions under which the costs related to the credit agreement can be changed |
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| 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 pledge | Paid 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. | |
| In accordance with and arising from the provisions of art. 15, para. 7), lit. a) from Law no. 202/2013, any payments related to the granted credit (commissions, taxes, penalties, late interest and any other type of payment), except interest, will be applied and collected within the limit of the ceiling of 0.04% of the total value of the credit per credit day multiplied by the number of days of actual use of the credit (hereinafter 'Ceiling'). Therefore, the Lender will be entitled to apply and collect the costs, excluding interest, exactly in the fixed or percentage amount established in the contract if the said ceiling allows, and if the ceiling is lower than the value of at least one cost, excluding interest, then the Lender will be entitled to reduce the fixed/percentage amount and apply and collect any of the applicable costs only within the limit of the ceiling value. When calculating the ceiling, the costs already applied and collected will be taken into account, with the exception of interest, which reduces its value. (Representative example: if the amount of the penalty is 20 MDL per day, and the ceiling value at that time is 16 MDL, then a maximum of 16 MDL will be collected). | |
| 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: |
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| 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 obligations | This offer is valid for 15 calendar days after it is issued. |
In this regard, I subsequently declare that:
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