Unsecured consumer loan

Destined for your personal needs, including for the refinancing of loans or consumer loans from other financial institutions, it offers you a maximum amount of 400.000 lei for a maximum period of 5 years.

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About the credit Advantages Eligibility criteria of the applicant Required documents Costs Example of calculation

About the credit

g Purpose

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

k Term

Minimum 6 months

Maximum 60 months

h Maximum credit amount

Maximum – 400,000 MDL

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

Advantages

  • 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

Eligibility criteria of the applicant

  • 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)

Required documents

  • the identity document
  • documents confirming the obtained income (as the case)
  • title deeds of the real estate (for amounts higher than 200.000 MDL)

Costs

  • Fixed Interest Rate

Standart offer

10,10% - for customers who do not meet any of the specific conditions mentioned below

Offer 1

9,10% - for customers who meet one of the following conditions: employees of budgetary institutions within salary projects, are employed in the IT field, work in a company providing accounting services, private medical sector, private education or in a company with over 500 employees

Offer 2

9,60% - work in a private company from 101 to 500 employees, or receives a salary on a Victoriabank

  • Floating Interest Rate

Standart offer

9,96% - for customers who do not meet any of the specific conditions mentioned below

Offer 1

8,96% - for customers who meet one of the following conditions: employees of budgetary institutions within salary projects, are employed in the IT field, work in a company providing accounting services, private medical sector, private education or in a company with over 500 employees

Offer 2

9,46% - work in a private company from 101 to 500 employees, or receives a salary on a Victoriabank

  • File analysis commission - free


Be financially responsible and careful to pay back the loan on time.

Example of calculation

For a credit in the amount of 200,000.00 MDL for a term of 5 years, the following payments are expected:

Fixed Interest Rate

  • Fixed rate 10.10%, the monthly rate is 4,259.26 lei. The total payment amount will be 255,555.36 lei, and the effective annual interest rate (EAR) is 10.58%.
  • Fixed rate 9.10%, the monthly rate is 4,161.38 lei. The total payment amount will be 249,683.15 lei, and the effective annual interest rate (EAR) is 9.49%.
  • Fixed rate 9.60%, the monthly rate is 4,210.15 lei. The total payment amount will be 252,609.22 lei, and the effective annual interest rate (EAR) is 10.03%.

Floating Interest Rate

  • Fixed rate 9.96%, the monthly rate is 4,245.47 lei. The total payment amount will be 254,728.50 lei, and the effective annual interest rate (EAR) is 10.42%.
  • Fixed rate 8.96%, the monthly rate is 4,147.79 lei. The total payment amount will be 248,867.35 lei, and the effective annual interest rate (EAR) is 9.33%.
  • Fixed rate 9.46%, the monthly rate is 4,196.46 lei. The total payment amount will be 251,787.86 lei, and the effective annual interest rate (EAR) is 9.88%.
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