Pentru cei care caută o oportunitate de a utiliza fonduri fără rezilierea contractului de depozit şi menţinerea unei rate a dobânzii atractive pe depozit, ECB vă oferă «Credit garantat cu depozit».  

Conditions
Payment
Documents
Pledge

The beneficiary of the loan can be any citizen of the Republic of Moldova that has:

  • Permanent residence in the Republic of Moldova;
  • From 21 years up to retirement age according to the legislation in force until the credit is repaid.

Issuance of credit:

  • The loan is granted in full, by transfer of funds from the loan account to the current (payment) account of the Customer opened with the Bank;
  • Cash;
  • On a bank card.

The amount of credit: 

  • up to 85% of the balance of the deposit held within the Bank (for cash loans or for the current account);
  • up to 200.000,00 MDL, but not more than 85% of the balance of the deposit, held within the Bank (for credits issued on the card).

Grace period for loan repayment:

  • before the end of the term of the loan, with the subject to repayment of the loan once at the end of the term of the loan agreement (only when issuing a loan in cash or on a current account).

Credit period: not more than the term of the deposit.

  • Repayment of a loan can be made by one amount at the end of the term of the loan agreement, interest for using the loan will be repaid monthly;
  • Repayment of the loan and accrued interest will be made by the Debtor monthly, in accordance with the repayment schedule.

Necessary documents:

  1. Application - questionnaire for granting the credit (presented by the applicant);
  2. Credit card request (in the case of credit card credit);
  3. Identification card (original + copy);
  4. Deposit contract.
  • Bank deposit, which will be blocked until the loan is fully repaid. As a mortgage, any deposit opened with the Bank can act, except for «Adolescent» and «Pensionar».
  • Assignment of funds to the accounts of the Customer opened with the Bank.
Loan Calculator
Sum:
3000 lei 200000 lei
Period:
3 months 60 months
Loan:
Sum:
3000 lei
Period:
3 months
The interest rate:
5.5 %
Comision de acordare:
60.00 lei
Comision de examinare:
100.00 lei
Ежемесячная комиссия:
0.32 %
Monthly payment
1 018.78 lei
Toal:
3 116.34 lei
Rata efectiva a dobanzii (DAE):
26.23 %
Calculul estimativ realizat prin intermediul calculatorului de rate online este orientativ şi nu are valoare contractuală. Banca atenţionează clienţii asupra necesităţii rambursării creditului.
Repayment of interest Payment of commissions Credit reimbursement Credit balance Data Monthly payment
0 3000 02.12.2021 2940
1 13.75 9.60 995.43 2 004.57 02.01.2022 1 018.78
2 9.19 9.60 999.99 1 004.58 02.02.2022 1 018.78
3 4.60 9.60 1 004.58 0.00 02.03.2022 1 018.78