Credit Auto

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Loan:

Sum:

5000 lei 800000 lei

Period:

6 months 60 months

Monthly payment

17 594.09 lei

The interest rate:

11.5 %

Rata efectiva a dobanzii (DAE):

12.12 %

Details Aplică

Download graph

Monthly payment 17 594.09 lei		DAE 12.12 %	Interest rate 11.5 %		The total amount of the loan 1 055 645 lei
	Repayment of interest	Payment of commissions	Credit reimbursement	Credit balance	Data	Monthly payment
0				800000	14.11.2026	800000
1	7 666.67	0.00	9 927.42	790 072.58	14.12.2026	17 594.09
2	7 571.53	0.00	10 022.56	780 050.02	14.01.2027	17 594.09
3	7 475.48	0.00	10 118.61	769 931.41	14.02.2027	17 594.09
4	7 378.51	0.00	10 215.58	759 715.83	14.03.2027	17 594.09
5	7 280.61	0.00	10 313.48	749 402.35	14.04.2027	17 594.09
6	7 181.77	0.00	10 412.32	738 990.03	14.05.2027	17 594.09
7	7 081.99	0.00	10 512.10	728 477.93	14.06.2027	17 594.09
8	6 981.25	0.00	10 612.84	717 865.09	14.07.2027	17 594.09
9	6 879.54	0.00	10 714.55	707 150.54	14.08.2027	17 594.09
10	6 776.86	0.00	10 817.23	696 333.31	14.09.2027	17 594.09
11	6 673.19	0.00	10 920.90	685 412.41	14.10.2027	17 594.09
12	6 568.54	0.00	11 025.55	674 386.86	14.11.2027	17 594.09
13	6 462.87	0.00	11 131.22	663 255.64	14.12.2027	17 594.09
14	6 356.20	0.00	11 237.89	652 017.75	14.01.2028	17 594.09
15	6 248.50	0.00	11 345.59	640 672.16	14.02.2028	17 594.09
16	6 139.77	0.00	11 454.32	629 217.84	14.03.2028	17 594.09
17	6 030.00	0.00	11 564.09	617 653.75	14.04.2028	17 594.09
18	5 919.18	0.00	11 674.91	605 978.84	14.05.2028	17 594.09
19	5 807.30	0.00	11 786.79	594 192.05	14.06.2028	17 594.09
20	5 694.34	0.00	11 899.75	582 292.30	14.07.2028	17 594.09
21	5 580.30	0.00	12 013.79	570 278.51	14.08.2028	17 594.09
22	5 465.17	0.00	12 128.92	558 149.59	14.09.2028	17 594.09
23	5 348.93	0.00	12 245.16	545 904.43	14.10.2028	17 594.09
24	5 231.58	0.00	12 362.51	533 541.92	14.11.2028	17 594.09
25	5 113.11	0.00	12 480.98	521 060.94	14.12.2028	17 594.09
26	4 993.50	0.00	12 600.59	508 460.35	14.01.2029	17 594.09
27	4 872.75	0.00	12 721.34	495 739.01	14.02.2029	17 594.09
28	4 750.83	0.00	12 843.26	482 895.75	14.03.2029	17 594.09
29	4 627.75	0.00	12 966.34	469 929.41	14.04.2029	17 594.09
30	4 503.49	0.00	13 090.60	456 838.81	14.05.2029	17 594.09
31	4 378.04	0.00	13 216.05	443 622.76	14.06.2029	17 594.09
32	4 251.38	0.00	13 342.71	430 280.05	14.07.2029	17 594.09
33	4 123.52	0.00	13 470.57	416 809.48	14.08.2029	17 594.09
34	3 994.42	0.00	13 599.67	403 209.81	14.09.2029	17 594.09
35	3 864.09	0.00	13 730.00	389 479.81	14.10.2029	17 594.09
36	3 732.51	0.00	13 861.58	375 618.23	14.11.2029	17 594.09
37	3 599.67	0.00	13 994.42	361 623.81	14.12.2029	17 594.09
38	3 465.56	0.00	14 128.53	347 495.28	14.01.2030	17 594.09
39	3 330.16	0.00	14 263.93	333 231.35	14.02.2030	17 594.09
40	3 193.47	0.00	14 400.62	318 830.73	14.03.2030	17 594.09
41	3 055.46	0.00	14 538.63	304 292.10	14.04.2030	17 594.09
42	2 916.13	0.00	14 677.96	289 614.14	14.05.2030	17 594.09
43	2 775.47	0.00	14 818.62	274 795.52	14.06.2030	17 594.09
44	2 633.46	0.00	14 960.63	259 834.89	14.07.2030	17 594.09
45	2 490.08	0.00	15 104.01	244 730.88	14.08.2030	17 594.09
46	2 345.34	0.00	15 248.75	229 482.13	14.09.2030	17 594.09
47	2 199.20	0.00	15 394.89	214 087.24	14.10.2030	17 594.09
48	2 051.67	0.00	15 542.42	198 544.82	14.11.2030	17 594.09
49	1 902.72	0.00	15 691.37	182 853.45	14.12.2030	17 594.09
50	1 752.35	0.00	15 841.74	167 011.71	14.01.2031	17 594.09
51	1 600.53	0.00	15 993.56	151 018.15	14.02.2031	17 594.09
52	1 447.26	0.00	16 146.83	134 871.32	14.03.2031	17 594.09
53	1 292.52	0.00	16 301.57	118 569.75	14.04.2031	17 594.09
54	1 136.29	0.00	16 457.80	102 111.95	14.05.2031	17 594.09
55	978.57	0.00	16 615.52	85 496.43	14.06.2031	17 594.09
56	819.34	0.00	16 774.75	68 721.68	14.07.2031	17 594.09
57	658.58	0.00	16 935.51	51 786.17	14.08.2031	17 594.09
58	496.28	0.00	17 097.81	34 688.36	14.09.2031	17 594.09
59	332.43	0.00	17 261.66	17 426.70	14.10.2031	17 594.09
60	167.01	0.00	17 427.08	0.00	14.11.2031	17 594.09

Do you need a loan?

Aplică

Surname

Ziua, luna și anul nașterii

Other existing loans

Type of worker

experience

Phone

IDNP

Children for maintenance

Loan amount

Sunt de acord cu regulile de prelucrare a datelor personale

According to the requirements of law no.133 of 08.07.2011. on the protection of personal data, the Bank, acting as controller/operator of the Center for personal data protection under no.0000116, guarantees the administration of personal data, provided by the applicant for the loan, in compliance with the security regime, confidentiality and directly for the purposes declared by him. The applicant for the loan declares that he recognizes and accepts the conditions, grounds and terms of processing personal data within the meaning of Law no.133 of 08.07.2011. on the protection of personal data, including related to the rights and obligations, which are incumbent on him according to the nominated law, and by ticking the box below, he freely, expressly and unconditionally expresses his consent to: accessing, processing and verification by the Bank of personal data, as well as information, presented both by the applicant for the loan and obtained by the bank through external information sources (on-line applications and public databases), in order to take, provided by the legislation in force until the conclusion of a credit agreement, in compliance with the security and confidentiality regime. The applicant undertakes to inform the third parties, which will be indicated in this application, that their personal data will be provided to the Bank, in order to take the necessary measures for the conclusion of the credit agreement between the applicant and BC EuroCreditBank S.A.

About the Loan

Eligibility requirements

Interest Rate and Costs

Required documents

The “Auto” Loan is designed for individuals who wish to purchase a vehicle for personal use or refinance a previously contracted loan used for the purchase of a vehicle.

Loan Purpose

purchase of vehicles for personal use, provided that the vehicle is not older than 10 years;
refinancing of loans contracted for vehicle purchases, provided that the vehicle is not older than 10 years.

Main Conditions

Loan amount: from 5,000 MDL up to 800,000 MDL;
Loan currency: MDL, EUR (including loans linked to EUR), USD (including loans linked to USD);
Loan term: up to 60 months;
Grace period: not available.

Disbursement Method

The loan is granted in full on the day the loan agreement is signed;
The amount is transferred to the current account opened with the Bank.

Repayment Method

Payments are made monthly according to the date specified in the loan agreement;
Repayment schedule type: annuity payments or declining installments.

Guarantees and Repayment Security

Pledge of movable and/or immovable property accepted by the Bank, with a cumulative collateral value of at least 100% of the loan amount;
Assignment of funds held in the borrower's accounts opened with the Bank;
Third-party guarantees, if required.

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 for the “Auto” loan is floating and is determined based on the client category and loan currency, in accordance with the Bank's Interest Rate Policy.

Interest Rate Structure

Loans granted in MDL

Client Category	Annual Interest Rate	Annual Percentage Rate (APR)	Fees & Commissions
Category 1	11.50%	12.13%	One-time origination fee – 0%
Category 2	11.00%	11.57%
Category 3	11.00%	11.57%
Category 4	11.00%	11.57%

Loans granted in EUR and USD

Loan Currency	Annual Interest Rate	Annual Percentage Rate (APR)	Fees & Commissions
EUR (including EUR-pegged)	7.50%	7.76%	One-time origination fee – 0%
USD (including USD-pegged)	8.50%	8.84%

The APR is calculated based on a representative example and may vary depending on the loan amount, term, down payment, and related costs.

Client Categories

Category 1 – Standard Clients (general terms applicable to all applicants who do not fall into the categories below).
Category 2 – Clients with a Positive Credit History (clients who hold a positive credit history and proper payment behavior).
Category 3 – Preferential Clients (employees of companies with a payroll project at ECB, IT park companies, and public/budgetary institutions).
Category 4 – ECO (clients taking out a loan to purchase an eco-friendly vehicle or to improve the energy efficiency of a home (ESG)).

Representative Calculation Example

Calculation Example for Category 1 (MDL)
For a loan of 300,000 MDL over a period of 60 months, with:

interest rate: 11.50%;
APR: 12.13%;
fees: 0%.

Result:

Estimated monthly payment: ≈ 6,597.78 MDL;
Total amount payable: ≈ 395,867 MDL.

Calculation Example for Categories 2, 3, and 4 (MDL)
For a loan of 300,000 MDL over a period of 60 months, with:

interest rate: 11.00%;
APR: 11.57%;
fees: 0%.

Result:

Estimated monthly payment: ≈ 6,522.73 MDL;
Total amount payable: ≈ 391,364 MDL.

Calculation Example for EUR Loan
For a loan of 10,000 EUR over a period of 60 months, with:

interest rate: 7.50%;
APR: 7.76%;
fees: 0%.

Result:

Estimated monthly payment: ≈ 200.38 EUR;
Total amount payable: ≈ 12,023 EUR.

Calculation Example for USD Loan
For a loan of 10,000 USD over a period of 60 months, with:

interest rate: 8.50%;
APR: 8.84%;
fees: 0%.

Result:

Estimated monthly payment: ≈ 205.17 USD;
Total amount payable: ≈ 12,310 USD.

Note
The information above is for guidance purposes only. The APR and final amounts may vary depending on the loan disbursement date, loan currency, and the specific terms of the 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.

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