1.       Application requesting the opening of the account and the issuance of the Card;

2.       Identity card and the accompanying fiche (original and copy).

List of documents necessary for requesting a loan without mortgage in amount of up to 50 thousand lei

1.             Application requesting the opening of an account and the issuance of a Revolving Credit Card;

2.             Identity card (residence permit that confirms that status of resident of the Republic of Moldova) and the accompanying fiche (copy and original);

3.             Documents confirming the employment history:

• Work-book (original and certified copy, at the last (current) record certified by employer’s stamp) / Individual employment contract (original and copy) or;
• Authorisation to undertake the relevant activity (original and copy) (in case of individuals who are engaged in an independent activity in an individual manner) and;
• Certificate on fiscal registration (original and copy).

4.       Documents confirming the income:

• Letter of confirmation (original with 2 signatures and stamp) from the current employer confirming the employee’s salary and position and/or;
• Certificate of income and expenses and the documents confirming the income declared in the certificate (in case of individuals who are engaged in an independent activity in an individual manner);
• Other additional documents confirming applicant’s solvency, as necessary (statement of current, card, or other bank accounts, lease contract, etc.).[1]

5.       Additional information (submitted in compliance with the Regulation of the National Bank of Moldova regarding the internal control system in the banks of the Republic of Moldova).

6.       Declaration regarding the existence/lack of commitments and any outstanding payments related thereto.

7.       Documents confirming the ownership right on private real estate and/or vehicle (original and copy) – if the amount of the loan exceeds 30 thousand lei and is up to 50 thousand lei.

 

List of documentsnecessary for requesting a secured loan in amount exceeding 50 thousand lei

1.       Application requesting the opening of an account and the issuance of a Revolving Credit Card;

• Work-book (original and certified copy, at the last (current) record certified by employer’s stamp) / Individual employment contract (original and copy) or;
• Authorisation to undertake the relevant activity (original and copy) (in case of individuals who are engaged in an independent activity in an individual manner) and;
• Certificate on fiscal registration (original and copy).

4.       Documents confirming the income:

• Letter of confirmation (original with 2 signatures and stamp) from the current employer confirming the employee’s salary and position and/or;
• Certificate of income and expenses and the documents confirming the income declared in the certificate (in case of individuals who are engaged in an independent activity in an individual manner);
• Other additional documents confirming applicant’s solvency, as necessary (statement of current, card, or other bank accounts, lease contract, etc.) [2]

5.       Additional information (submitted in compliance with the Regulation of the National Bank of Moldova regarding the internal control system in the banks of the Republic of Moldova).

6.   Declaration regarding the existence/lack of commitments and any outstanding payments related thereto.

7.   Documents confirming the ownership right on the asset to be put in pledge:

• Fidejusson of individual

a.      Identity card and the accompanying fiche (original and copy);

b.      Work-book / Individual employment contract / Authorization for undertaking the relevant activity (original and copy);

c.       Letter of confirmation from the employer/ Certificate of income and expenses;

d.      Declaration regarding the existence or lack of outstanding commitments;  

• Fidejusson of legal entity

a)      decision of the relevant body on approving the establishment of Fidejusson on the Loan contracted by the Debtor;

b)      Legal package + financial statements for the last year and the last reporting period;

• Mortgage of real estate

a)                   Document confirming the ownership right on real estate;

b)                  Authorisation for construction, project documentation and the statement of expenses – in case of non-finished constructions;

c)      Excerpt from the Real Estate Registry (Territorial Cadastral Office);

d)     Certificate on real estate value from the Territorial Cadastral Office;

e)      Certificate regarding lack or existence of debts toward the budget from the State Fiscal Authority;

f)       Independent assessment of real estate made by a specialized company.

• Mortgage of transportation units (vehicle)

a)     Technical passport of the transportation units;

b)      Excerpt (Certificate) from the State Registry of Transportation, Ministry of Informational Development regarding the lack of records on alienation of the transportation unit suggested to the bank to be put in pledge.

c)      Insurance policy (CASCO) of the transportation unit in bank’s favour.

• Mortgage of money on the deposit account

a)    Deposit contract.  .

• Mortgage of registered stock (securities)

a)    Excerpt from the Registry of holders of registered stock.

8.       Other documents specified in the Regulation on the procedure of examining loan applications within CB „Victoriabank” JSC.