The “Standard” Loan may be requested by any individual who cumulatively meets the following conditions:

Applicant Profile

• citizen of the Republic of Moldova;
• holds a residence permit or permanent domicile in the Republic of Moldova;
• aged between 21 and 70 years at the date of final loan repayment;
• has permanent and stable income;
• has no negative credit history during the last 36 months;
• one overdue payment of up to 60 days during the last 36 months is acceptable;
• absence of credit history is acceptable.

Collateral Requirements

• the applicant must provide collateral accepted by the Bank, depending on the loan amount and its specific purpose;
• guarantors, if required, must have a positive credit history or no credit history.

Important Notes

• loan applications are assessed based on the Bank's internal evaluation criteria;
• loan approval is subject to the Bank's final decision.

The interest rate applicable to the “Standard” Loan is floating and is determined according to the loan currency, in accordance with the Bank's Interest Rate Policy.

Interest Rate Structure

Representative Example

Example for a Loan in MDL

For a loan of 100,000 MDL granted for a period of 60 months, with:

• interest rate: 10.25%;
• APR (DAE): 10.76%;
• fees: 0%.

The indicative results are:

• Monthly installment: ≈ 2,137 MDL;
• Total interest: ≈ 28,200 MDL;
• Total amount payable: ≈ 128,200 MDL.

Example for a Loan in EUR

For a loan of 10,000 EUR granted for a period of 60 months, with:

• interest rate: 7.00%;
• APR (DAE): 7.24%;
• fees: 0%.

The indicative results are:

• Monthly installment: ≈ 198 EUR;
• Total interest: ≈ 1,880 EUR;
• Total amount payable: ≈ 11,880 EUR.

Example for a Loan in USD

For a loan of 10,000 USD granted for a period of 60 months, with:

• interest rate: 8.00%;
• APR (DAE): 8.30%;
• fees: 0%.

The indicative results are:

• Monthly installment: ≈ 203 USD;
• Total interest: ≈ 2,170 USD;
• Total amount payable: ≈ 12,170 USD.

Note

The information above is for illustrative purposes only. The APR (DAE) and final values may vary depending on the loan disbursement date, the loan currency, and the specific terms and conditions of the loan agreement.

The following documents are required for the assessment and approval of the loan:

• loan application form, duly completed and signed by the applicant;
• applicant's identity document (original and copy);
• income verification documents (where applicable);
• documents related to the asset offered as collateral (where applicable);
• other documents requested by the Bank, depending on the applicant's profile and the specific characteristics of the loan.