Our managers will contact you and answer
to all your questions.
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 | |
| Type of loan | |
| Total loan amount | |
| Conditions governing the drawdown of the credit It means how and when to get mone | 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 |
| The order and rates in which they will be allocated. The following should be repaid: | monthly installments of |
| Interest and/or charges are to be paid in the following order | monthly |
| Total amount to be paid | - |
| 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 |
| 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 | Фиксированная % per annum, fixed, calculated from of 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 |
|
| Conditions under which the costs related to the credit agreement can be changed |
|
| 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 |
| 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 | Fixed amount penalty of 20 lei / 1% of the outstanding loan amount will be charged, for each day of delay |
| 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 |
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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 | 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. |
