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| "Locuinta garantata" is addressed to those who intend to procure a house in the near future. It helps people to gather earlier the required amount to purchase his/her own house. |
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| "Locuinta Garantata" Cash Deposit is a product launched in partnership with “Ghelidor” construction company, for those who intend to purchase a house in the building complex - "Demi Alitora”. |
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| The functionality scheme of "Locuinta Garantata” Cash Deposit |
- You sign an agreement with the “Ghelidor” construction company.
- You pay in advance 10% from the total amount of your house to “Ghelidor”.
- The remained amount, that must be paid, can be accumulated during the period of your house is being built, on a deposit account at VictoriaBank and get for its money a 6% interest rate for deposits in lei and 1% for deposits in currency.
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| "Locuinta Garantata" Cash Deposit will bring you an additional income for the money you gather for your home during its construction and also gives you a maximum safety and a double guarantee for the money deposed in Bank. |
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| Why to get a maximum safety, security and a double guarantee? |
- The Bank will transfer the deposed money to the construction company only in case when your home will be finished successfully.
- If you give up the idea to purchase a house, you get back the entire amount of the deposited money.
- In case if the construction of your house is not finished for some reason, your deposited money will be returned back to you.
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| What benefits you can obtain: |
- You have a double guarantee for your money.
- You receive an interest rate for money accumulated during the construction of your home.
- You can make unlimited replenishments.
- You can open it with only 1000 lei or 100 euro/dollars.
- Withdrawals are not allowed and the money can be used only for your own home purchasing!
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| For opening "Locuinta garantata" cash deposit, “Ghelidor” construction company need to issue a letter that must be presented to the bank. An then, VictoriaBank will open this cash deposit based on this letter. |
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The deposit can be canceled only after issuing a letter by “Ghelidor” construction company and only if you:
- cancel the agreement signed with “Ghelidor”
- The house has been finished.
In case of an anticipated agreement cancelling, the interest rate will be recalculated as follows:
1. In case the investment contract is rescind, at the rate of 1% annually for MDL and 0% for foreign currency deposits.;
2. In case of the construction finishing, the interest rate is repaid according to the following graphic:
- during first 6 months – up to 25% of interest rate
- between 6-12 months - up to 50% of interest rate
- 12 months after the constitution - up to 100% of interest rate.
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