Guaranteed consumer credit from Victoriabank

About the credit

Maximum term up to 10 years

Non-mentioned consumer expenses, including refinancing of credits/ loans issued by other financial institutions

Maximum term up to 25 years

Purchase of residential real estate, refinancing of credits/ loans issued by other financial institutions for this purpose

Maximum credit amount

Up to 1,800,000 MDL

Advantages

Possibility to solve financial problems in the shortest time
Possibility to establish the desired credit repayment procedure
Flexible way of approaching the financial situation
Quick examination of credit applications
Low costs and transparent conditions
Full financing of projects

Eligibility criteria of the applicant

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
maximum age of 65 years old at the maturity date of the credit
official income and capacity to pay that meets the bank requirementsi
at least 4 months of work at the current job and at least 3 salary records in the State Tax Service Report
during the last calendar year, no arrears of more than 61 days for the repayment of credits/ loans contracted from other creditors
no credits / loans subject to enforcement in the last 3 years

Required documents

documents confirming the monthly income of the applicant and the co-debtor(s) – the salary is extracted from the database of the State Tax Service/ the certificate confirming the military pension and other types of pensions/ confirmation of receipt of remittances/ lease contract/ declaration of income/ employment contract from abroad (for co-debtor)/ decision on distribution of dividends and others (as applicable)
a copy of the individual employment contract and its last addendum (at the request of the bank, if applicable)
the identity card and the supplementary sheet of the applicant/ co-debtor(s)
documents confirming the purpose of the credit
title deeds of the residential or commercial real estate provided as collateral
the excerpt from the Real Estate Register issued by the Public Services Agency
the valuation report of the real estate provided as collateral
the insurance policy of the real estate provided as collateral

Costs

Interest Rate – 12,24% consisting of the NBM Reference Index (4.12%) + Fixed Margin of the Bank (8.12%)
File analysis commission
1000 lei for loans up to 1,000,000 lei
1500 lei for loans higher than 1,000,000 lei

Example of calculation

For a credit in the amount of 20,000 MDL with a term of 10 years, the monthly payment is 2,898.33 MDL, the EAIR is 13.44%, and the total amount payable is 353,299.94 MDL.

Cerere de credit Adeverința de Salariu