Ofertă promoțională! Deschide acum depozite în lei cu dobânzi de până la 12% anual și primești un card Visa Gold gratuit și șansa de a câștiga un aspirator robot performat! Vezi ofertele recomandate de OTP Bank.
Picture

Credit de consum cu gaj

Până la 700 000 lei, cu rată fixă și fără justificarea cheltuielilor

2 000 000 mdl

the maximum amount

9% per year

fixed interest rate

120 months

maximum repayment period

No matter how many plans you have, we are here to help you carry them out. The pledged personal loan is the perfect solution when you need a loan, without justifying its use. You get up to 2 000 000 MDL and use the money for whatever you need, as you know best.

Your advantages

  • You can get up to 2 000 000 MDL
  • You have a repayment period of up to 120 months
  • 9% per year, fixed interest rate for the entire crediting period
  • You have ZERO file analysis commission
  • You get a free credit card
  • Wide range of accepted income
  • You can refinance advantageously, loans contracted from other financial institutions
  • For a more secure and peaceful future, you can take out optional insurance attached to loans

Credit de consum cu gaj

Suma 100000 2000000
Termen 6 Luni 120 Luni

Acuratețea datelor acestui calculator și aplicabilitatea lui în cazul tău particular nu sunt garantate. Pentru obținerea unor informații exacte și a unui calcul personalizat, vino în orice sucursală a băncii.

Plata lunară

17278.1 MDL

Dobânda anuală

9 %

Dobânda anuală efectivă

18.11 %

Representative calculation example: for a personal needs loan, with real guarantees, in the amount of 1 000 000 lei, with a fixed interest rate of 9%, a period of 120 months, with a single grant commission of 1.5% and monthly administration fee of 0.35% of the balance, APR is 14.47%.

How can you apply for credit?

1. Come to any branch or contact us at 022 256 456 and request an appointment with a bank advisor.

2. Submit your application online in 5 easy steps:

Step 1: Access the credit computer
Step 2: Choose the amount and credit period
Step 3: Fill in the online form with the requested personal data
Step 4: Wait for our adviser's call to clarify some details and set up an appointment
Step 5: Come to the bank to sign the credit agreement

Eligibility criteria

You are eligible for a pledged personal loan if you meet the following conditions:

  • You are a citizen of the Republic of Moldova and have a residence visa in the Republic of Moldova
  • You have at least 4 months of activity with the current employer
  • Pledge: real estate / money in deposit account

Accepted income

  • Income from salaries
  • Cumulative income of all family members
  • Other income that is permanent and can be confirmedte

Guarantees

Real estate / money in deposit account

Required documents

  • Identity card (in original)
  • Credit application
  • Agreement on consultation of the Bureau of Credit Histories and the database of the State Tax Service (with qualified advanced handwritten or electronic signature)
  • Salary certificate and / or other supporting documents regarding the additional income received
  • Documents confirming the ownership of the pledged goods
  • Other documents requested by the bank, if necessary