022 500 200
| Monthly payment 21 742.42 lei | DAE 11.57 % | Interest rate 11 % | The total amount of the loan 1 304 545 lei | |||
|---|---|---|---|---|---|---|
| Repayment of interest | Payment of commissions | Credit reimbursement | Credit balance | Data | Monthly payment | |
| 0 | 1000000 | 14.11.2026 | 1000000 | |||
| 1 | 9 166.67 | 0.00 | 12 575.75 | 987 424.25 | 14.12.2026 | 21 742.42 |
| 2 | 9 051.39 | 0.00 | 12 691.03 | 974 733.22 | 14.01.2027 | 21 742.42 |
| 3 | 8 935.05 | 0.00 | 12 807.37 | 961 925.85 | 14.02.2027 | 21 742.42 |
| 4 | 8 817.65 | 0.00 | 12 924.77 | 949 001.08 | 14.03.2027 | 21 742.42 |
| 5 | 8 699.18 | 0.00 | 13 043.24 | 935 957.84 | 14.04.2027 | 21 742.42 |
| 6 | 8 579.61 | 0.00 | 13 162.81 | 922 795.03 | 14.05.2027 | 21 742.42 |
| 7 | 8 458.95 | 0.00 | 13 283.47 | 909 511.56 | 14.06.2027 | 21 742.42 |
| 8 | 8 337.19 | 0.00 | 13 405.23 | 896 106.33 | 14.07.2027 | 21 742.42 |
| 9 | 8 214.31 | 0.00 | 13 528.11 | 882 578.22 | 14.08.2027 | 21 742.42 |
| 10 | 8 090.30 | 0.00 | 13 652.12 | 868 926.10 | 14.09.2027 | 21 742.42 |
| 11 | 7 965.16 | 0.00 | 13 777.26 | 855 148.84 | 14.10.2027 | 21 742.42 |
| 12 | 7 838.86 | 0.00 | 13 903.56 | 841 245.28 | 14.11.2027 | 21 742.42 |
| 13 | 7 711.42 | 0.00 | 14 031.00 | 827 214.28 | 14.12.2027 | 21 742.42 |
| 14 | 7 582.80 | 0.00 | 14 159.62 | 813 054.66 | 14.01.2028 | 21 742.42 |
| 15 | 7 453.00 | 0.00 | 14 289.42 | 798 765.24 | 14.02.2028 | 21 742.42 |
| 16 | 7 322.01 | 0.00 | 14 420.41 | 784 344.83 | 14.03.2028 | 21 742.42 |
| 17 | 7 189.83 | 0.00 | 14 552.59 | 769 792.24 | 14.04.2028 | 21 742.42 |
| 18 | 7 056.43 | 0.00 | 14 685.99 | 755 106.25 | 14.05.2028 | 21 742.42 |
| 19 | 6 921.81 | 0.00 | 14 820.61 | 740 285.64 | 14.06.2028 | 21 742.42 |
| 20 | 6 785.95 | 0.00 | 14 956.47 | 725 329.17 | 14.07.2028 | 21 742.42 |
| 21 | 6 648.85 | 0.00 | 15 093.57 | 710 235.60 | 14.08.2028 | 21 742.42 |
| 22 | 6 510.49 | 0.00 | 15 231.93 | 695 003.67 | 14.09.2028 | 21 742.42 |
| 23 | 6 370.87 | 0.00 | 15 371.55 | 679 632.12 | 14.10.2028 | 21 742.42 |
| 24 | 6 229.96 | 0.00 | 15 512.46 | 664 119.66 | 14.11.2028 | 21 742.42 |
| 25 | 6 087.76 | 0.00 | 15 654.66 | 648 465.00 | 14.12.2028 | 21 742.42 |
| 26 | 5 944.26 | 0.00 | 15 798.16 | 632 666.84 | 14.01.2029 | 21 742.42 |
| 27 | 5 799.45 | 0.00 | 15 942.97 | 616 723.87 | 14.02.2029 | 21 742.42 |
| 28 | 5 653.30 | 0.00 | 16 089.12 | 600 634.75 | 14.03.2029 | 21 742.42 |
| 29 | 5 505.82 | 0.00 | 16 236.60 | 584 398.15 | 14.04.2029 | 21 742.42 |
| 30 | 5 356.98 | 0.00 | 16 385.44 | 568 012.71 | 14.05.2029 | 21 742.42 |
| 31 | 5 206.78 | 0.00 | 16 535.64 | 551 477.07 | 14.06.2029 | 21 742.42 |
| 32 | 5 055.21 | 0.00 | 16 687.21 | 534 789.86 | 14.07.2029 | 21 742.42 |
| 33 | 4 902.24 | 0.00 | 16 840.18 | 517 949.68 | 14.08.2029 | 21 742.42 |
| 34 | 4 747.87 | 0.00 | 16 994.55 | 500 955.13 | 14.09.2029 | 21 742.42 |
| 35 | 4 592.09 | 0.00 | 17 150.33 | 483 804.80 | 14.10.2029 | 21 742.42 |
| 36 | 4 434.88 | 0.00 | 17 307.54 | 466 497.26 | 14.11.2029 | 21 742.42 |
| 37 | 4 276.22 | 0.00 | 17 466.20 | 449 031.06 | 14.12.2029 | 21 742.42 |
| 38 | 4 116.12 | 0.00 | 17 626.30 | 431 404.76 | 14.01.2030 | 21 742.42 |
| 39 | 3 954.54 | 0.00 | 17 787.88 | 413 616.88 | 14.02.2030 | 21 742.42 |
| 40 | 3 791.49 | 0.00 | 17 950.93 | 395 665.95 | 14.03.2030 | 21 742.42 |
| 41 | 3 626.94 | 0.00 | 18 115.48 | 377 550.47 | 14.04.2030 | 21 742.42 |
| 42 | 3 460.88 | 0.00 | 18 281.54 | 359 268.93 | 14.05.2030 | 21 742.42 |
| 43 | 3 293.30 | 0.00 | 18 449.12 | 340 819.81 | 14.06.2030 | 21 742.42 |
| 44 | 3 124.18 | 0.00 | 18 618.24 | 322 201.57 | 14.07.2030 | 21 742.42 |
| 45 | 2 953.51 | 0.00 | 18 788.91 | 303 412.66 | 14.08.2030 | 21 742.42 |
| 46 | 2 781.28 | 0.00 | 18 961.14 | 284 451.52 | 14.09.2030 | 21 742.42 |
| 47 | 2 607.47 | 0.00 | 19 134.95 | 265 316.57 | 14.10.2030 | 21 742.42 |
| 48 | 2 432.07 | 0.00 | 19 310.35 | 246 006.22 | 14.11.2030 | 21 742.42 |
| 49 | 2 255.06 | 0.00 | 19 487.36 | 226 518.86 | 14.12.2030 | 21 742.42 |
| 50 | 2 076.42 | 0.00 | 19 666.00 | 206 852.86 | 14.01.2031 | 21 742.42 |
| 51 | 1 896.15 | 0.00 | 19 846.27 | 187 006.59 | 14.02.2031 | 21 742.42 |
| 52 | 1 714.23 | 0.00 | 20 028.19 | 166 978.40 | 14.03.2031 | 21 742.42 |
| 53 | 1 530.64 | 0.00 | 20 211.78 | 146 766.62 | 14.04.2031 | 21 742.42 |
| 54 | 1 345.36 | 0.00 | 20 397.06 | 126 369.56 | 14.05.2031 | 21 742.42 |
| 55 | 1 158.39 | 0.00 | 20 584.03 | 105 785.53 | 14.06.2031 | 21 742.42 |
| 56 | 969.70 | 0.00 | 20 772.72 | 85 012.81 | 14.07.2031 | 21 742.42 |
| 57 | 779.28 | 0.00 | 20 963.14 | 64 049.67 | 14.08.2031 | 21 742.42 |
| 58 | 587.12 | 0.00 | 21 155.30 | 42 894.37 | 14.09.2031 | 21 742.42 |
| 59 | 393.20 | 0.00 | 21 349.22 | 21 545.15 | 14.10.2031 | 21 742.42 |
| 60 | 197.50 | 0.00 | 21 544.92 | 0.23 | 14.11.2031 | 21 742.42 |
Do you need a loan?
Aplică
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.
The “Standard” Loan is designed for individuals who need financing for planned or unexpected expenses, holidays, education, medical treatment, vehicle purchases, acquisition of non-residential real estate, other consumer needs, as well as for refinancing loans obtained from other lenders.
Loan Purpose
- planned and unexpected expenses;
- holidays and travel;
- education;
- medical treatment;
- vehicle purchase;
- acquisition of non-residential real estate;
- other consumer purposes;
- refinancing of existing loans obtained from other lenders.
Main Conditions
- Loan amount: from 5,000 MDL up to 1,000,000 MDL;
- Loan currency: MDL, EUR, USD, including loans linked to EUR or USD;
- Loan term: up to 60 months;
- Grace period: not available.
Loan Disbursement
- 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.
In the case of refinancing loans obtained from other lenders, the amount intended for refinancing is transferred to the respective creditor's account. Any remaining balance intended for personal consumption purposes is released only after confirmation that the refinanced loan has been fully repaid.
Repayment Method
- Payments are made monthly on the date specified in the loan agreement;
- Repayment schedule type: annuity payments or equal monthly principal installments.
Guarantees and Repayment Security
- Pledge of movable and/or immovable assets accepted by the Bank;
- Assignment of funds held in the borrower's accounts opened with the Bank;
- Third-party guarantees, if required.
The “Standard” Loan may be requested by any individual who cumulatively meets the following conditions:
Applicant Profile
- citizen of the Republic of Moldova;
- holds a residence permit or permanent domicile 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;
- absence of credit history is acceptable.
Collateral Requirements
- the applicant must provide collateral accepted by the Bank, depending on the loan amount and its specific purpose;
- guarantors, if required, must have a positive credit history or no 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.
| Loan Currency | Annual Interest Rate | Annual Percentage Rate (APR) | Fees & Commissions |
|---|---|---|---|
| MDL | 11.00% | 11.57% | One-time origination fee – 0% |
| EUR (including EUR-pegged) | 8.50% | 8.84% | |
| USD (including USD-pegged) | 9.50% | 9.92% |
For a loan of 100,000 MDL over a period of 60 months, with:
- interest rate: 11.00%;
- APR: 11.57%;
- fees: 0%.
- Estimated monthly payment: ≈ 2,174.24 MDL;
- Total interest: ≈ 30,455 MDL;
- Total amount payable: ≈ 130,455 MDL.
For a loan of 10,000 EUR over a period of 60 months, with:
- interest rate: 8.50%;
- APR: 8.84%;
- fees: 0%.
- Estimated monthly payment: ≈ 205.17 EUR;
- Total interest: ≈ 2,310 EUR;
- Total amount payable: ≈ 12,310 EUR.
For a loan of 10,000 USD over a period of 60 months, with:
- interest rate: 9.50%;
- APR: 9.92%;
- fees: 0%.
- Estimated monthly payment: ≈ 210.02 USD;
- Total interest: ≈ 2,601 USD;
- Total amount payable: ≈ 12,601 USD.
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 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.
