Expres Loan Online

About the credit

Purpose

consumer needs for various purposes

Term

minimum 6 months

maximum 60 months

Maximum credit amount

300,000 MDL

Eligibility requirements for applicants

citizenship of the Republic of Moldova or foreign citizenship / statelessness – tax residence of the Republic of Moldova
minimum age of 18 years old at the date of credit issuance
is a Victoriabank customer and has a qualified advanced electronic signature
maximum age of 65 years old at the maturity date of the credit
official income and capacity to pay that meets the bank requirements
at least 6 months of work at the current job and at least 6 salary records in the State Tax Service Report
during the last calendar year, there were arrears up to 61 days for the repayment of credits/ loans contracted from other creditors
no credits / loans subject to enforcement in the last 3 years
for amounts greater than 200,000 lei, owns property

Required documents

The identity document

Note: The Income certificate (if the income is not reported to the State Tax Service) and/or other supporting documents regarding the additional revenues collected (as the case may be).

Interests and fees

During the promotion period 09 january 2023 - 28 february 2023:
Interest Rate – 15.60%, consisting of the NBM Reference Index (13,42%) + Fixed Margin of the Bank (2.18%)
Standard Terms:
Interest Rate – 17.92%, consisting of the NBM Reference Index (13.42%) + Fixed Margin of the Bank (4.50%)
File analysis commission - 0 lei

Illustrative example

During the promotion period 09 january 2023 - 28 february 2023:

For a credit in the amount of 200,000 MDL for a term of 5 years, the monthly payment is 4,821.21 MDL. The EAIR is 16.76%, and the total amount payable is 289,272.40 MDL.

Standard Terms:

For a credit in the amount of 200,000 MDL for a term of 5 years, the monthly payment is 5,069.99 MDL. The EAIR is 19.46%, and the total amount payable is 304,198.98 MDL.

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