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| For the persons which have a salary card managed by Victoriabank, the bank offers the following types of credit lines: |
1. Victoria OverDraft - a credit line for every person which have a Victoriabank salary card.
Each person who receives salary to the bank card (not less than 3 months), has the possibility to open an overdraft credit line in the size of a monthly salary.
The credit card allows you quickly cover unforeseen expenses in the case of insufficient resources on the personal card.
Conditions:
- Maximal amount: a monthly salary;
- Period: 12 months;
- Repayment of credit: monthly - depending of used amount;
- Grace period – 10 months;
- The repayment is carried out automatically, as soon as the money belonging to account card;
- Interest rate: 25 % yearly;
- Administrative charge – 2%.
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2. Victoria Consum - a credit line specially created for consumer needs by offering to people who have Victoriabank's salary card monetary resources - till 10 monthly salaries.
Conditions:
- Maximal amount: till 10 monthly salary;
- Period: 24 months;
- Repayment of credit: monthly - in equal instalments;
- The repayment is carried out automatically, as soon as the money belonging to account card.
- Interest rate of loans offered to clients without a credit history in VictoriaBank - 19 % yearly;
- Interest rate of loans offered to clients with a positive credit history in VictoriaBank - 20% yearly
- Administrative charge – 2%.
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| Conditions of credit lines |
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| Advantages of credit line: |
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- The credit will be issued directly to your card salary;
- Nobody will ask you about the purpose of credit;
- Repayment schedule (equal monthly sum) permits you to plan and spend your money.
- The manner of payment of credit saves you from the physical presence at the Bank and you avoid the queues at the pay offices.
- Payment of the debt is made from the money from the salary card at the beginning of each Month.
- The term loan will allow an optimal allocation of expenditure.
- Interest is paid only for used amount.
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| Who can benefit from a consumer credit? |
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- Any employee, whose organization has a salary project at Victoriabank;
- Is a citizen of the Republic of Moldova;
- Has minimum -18 years old.
- Receives monthly salary to the Victoriabank card;
- Has an internship working at the last job of not less than 6 months.
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| How to open a credit line? |
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It's enough just to present to the Bank: - Identity card and a copy of it.
- Certificate of monthly salary.
- Request for granting credit.
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Tariffs
For more information please call: (373 22) 21-02-02; 21-03-03 |
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