Unsecured loan from Victoriabank

About the credit

personal consumer needs for various purposes, including for refinancing of consumer credits/ loans from other banks/ financial institutions

Minimum 6 months

Maximum 60 months

Maximum – 300,000 MDL

If the credit amount exceeds 200,000 MDL, the applicant shall be owner/ co-owner of a real estate

approval of the credit in short term
choosing the method of repaying the credit that suits you (annuity or linear schedule)
transparent costs and no monthly service fees

citizenship of the Republic of Moldova or foreign citizenship – tax residence of the Republic of Moldova
age of 18 – 65 years old
no credits/ loans subject to enforcement in the last 3 years
at least 6 months of official employment and at least 6 salary records in the State Tax Service Report
income from salary, pension, remittances, rent, licensed activity, royalty, dividends or employment contract from abroad (accepted by co-debtors)

Interest Rate

Fixed Interest Rate within the promotion of 14.90%

File analysis commission - free

Standard conditions:

Within the project – 20.85%, per annum, consisting of the NBM Reference Index (13.42%) and the Fixed Margin of the Bank (7.43%)
Standard - 21.85%, per annum, consisting of the NBM Reference Index (13.42%) and the Fixed Margin of the Bank (8.43%)
File analysis commission - 400 MDL

For a credit in the amount of 200,000 MDL for a term of 5 years, the following payments are expected:

In period February, 6 - May 31, 2023, with promotional fixed rate 14.90%, the monthly rate is 4,747.49 lei. The total payment amount will be 284,849.77 lei, and the effective annual interest rate (APR) is 15.90%.
With an interest rate of 20.85%, the monthly payment is 5,393.81 MDL. The (EAIR) is 23.07%, and the total amount payable is 324,028.56 MDL.
With an interest rate of 21.85%, the monthly payment is 5,506.74 MDL. The (EAIR) is 24.29%, and the total amount payable is 330,804.32 MDL.