​The “Auto” Loan may be requested by any individual who cumulatively meets the following conditions:

Applicant Profile

• citizen of the Republic of Moldova;
• holds permanent residence in the Republic of Moldova;
• aged between 21 and 70 years at the date of final loan repayment;
• has permanent and stable income;
• has no negative credit history during the last 36 months;
• one overdue payment of up to 60 days during the last 36 months is acceptable.

Collateral Requirements

• the applicant must provide collateral accepted by the Bank, depending on the loan amount and the specific characteristics of the loan;
• guarantors, if required, must not have a negative credit history.

Important Notes

• loan applications are assessed based on the Bank's internal evaluation criteria;
• loan approval is subject to the Bank's final decision.

The interest rate applicable to the “Auto” Loan is floating and is determined according to the client category and loan currency, in accordance with the Bank's Interest Rate Policy.

Interest Rate Structure

Loans Granted in MDL

Loans Granted in EUR and USD

Client Categories

Category 1 – Standard Clients (general conditions applicable to all applicants who do not fall into the categories below).

Category 2 – Clients with Positive Credit History (clients who have a positive credit history and a good repayment record).

Category 3 – Preferred Clients (employees of companies participating in ECB payroll projects, IT park companies, and public institutions).

Category 4 – ECO (clients obtaining a loan for the purchase of an environmentally friendly vehicle or for improving the energy efficiency of their home (ESG)).

Representative Example

Calculation Example for Category 1 (MDL)

For a loan of 300,000 MDL granted for a period of 60 months, with:

• interest rate: 10.00%;
• APR (DAE): 10.47%;
• fees: 0%.

The indicative results are:

• Monthly installment: ≈ 6,374.1 MDL;
• Total amount payable: ≈ 382,447 MDL.

Calculation Example for Categories 2, 3 and 4 (MDL)

For a loan of 300,000 MDL granted for a period of 60 months, with:

• interest rate: 9.50%;
• APR (DAE): 9.92%;
• fees: 0%.

The indicative results are:

• Monthly installment: ≈ 6,300.6 MDL;
• Total amount payable: ≈ 378,034 MDL.

Calculation Example for a Loan in EUR

For a loan of 10,000 EUR granted for a period of 60 months, with:

• interest rate: 6.00%;
• APR (DAE): 6.17%;
• fees: 0%.

The indicative results are:

• Monthly installment: ≈ 193.3 EUR;
• Total amount payable: ≈ 11,600 EUR.

Calculation Example for a Loan in USD

For a loan of 10,000 USD granted for a period of 60 months, with:

• interest rate: 7.00%;
• APR (DAE): 7.24%;
• fees: 0%.

The indicative results are:

• Monthly installment: ≈ 198 USD;
• Total amount payable: ≈ 11,881 USD.

Note

The information above is provided for illustrative purposes only. The APR (DAE) and final values may vary depending on the loan disbursement date, the loan currency, and the specific terms and conditions of the loan agreement.

The following documents are required for the assessment and approval of the loan:

• loan application form, duly completed and signed by the applicant;
• applicant's identity document (original and copy);
• income verification documents (where applicable);
• documents related to the vehicle and/or the asset offered as collateral (where applicable);
• other documents requested by the Bank, depending on the applicant's profile and the specific characteristics of the loan.