Pentru îmbunătățirea experienței dumneavoastră de navigare, acest site folosește cookies.
Orice prelucrare a datelor personale se va face doar în baza acordului dumneavoastră.
Vă puteți schimba opțiunea în orice moment, prin modificarea setărilor în browserul dumneavoastră.

1. The modification of the maturity date/the amount for the credit rates payment without exceeding the initial duration of the credit

Application conditions:
-corporate customers with outstanding principal/interests amounts for the ongoing credits with CEC Bank;
- the financial situation no longer allows it to pay the obligations assumed by the credit contract, as initially set out;
- there have been identified sure reimbursement possibilities to other terms and in other amounts.

Advantages:
- a period of grace up to 12 months may be granted during which the customer may pay only the interests and related commission;
- the outstanding amounts that are recorded may be included in the credit balance;
- at the written request of the customer, early reimbursement may be performed, totally or partially, anytime during the grace period.
 

2. The modification of the maturity date/the amount for the credit rates payment with the exceeding of the initial duration of the credit and/or framing the credit in another category, as the case may be (medium term, long term

Application conditions:
- corporate customers with outstanding principal/interests amounts for the ongoing credits with CEC Bank;
- there have been identified sure reimbursement possibilities to other terms and in other amounts; 
- the maximum credit duration corresponding to the product for which the restructuring is requested can not be exceeded.

Advantages:
- as a result of the application of this method, the classification of the credit may be modified from the standpoint of the credit duration (i.e.: short term credits may be transformed in medium term credits, long term credits);
- a period of grace up to 12 months may be granted during which the customer may pay only the interests;
- the outstanding amounts that are recorded may be included in the credit balance.
 

3. Granting a new credit for reimbursement of the credit/credits in progress and with outstanding amounts to the maturity date for at least one credit

Application conditions:
- corporate customers with outstanding principal/interests amounts for the ongoing credits with CEC Bank;
- there have been identified sure reimbursement possibilities to other terms and in other amounts;
- it is requested the consolidation of at least two or more credits in progress with the Bank (i.e. credit line and investment credit);
- there must not delivered a final and irrevocable decision to open insolvency proceedings for the client;
- the director of the company must have the legal authority to manage and sign legal documents;
- the client must not have debts to the state consolidate budget or to the social security budget older than 90 days;
- no pledges are established on the accounts of the client.

Advantages:
- in case of restructuring two or many credits, with different credit periods, the product with the longer credit period may be chosen;
- a grace period may be granted, according to the chosen product;
- the outstanding amounts may be included in the credit balance;
- if the client has debts older than 90 days, these can be included in the volume of the restructured credit.
 

4. Granting a short term credit facility

Application conditions:
- legal persons that due to non payment of receivables from the State budget, city halls, county councils, schools etc. record non paid amounts upon maturity for the credits running within CEC Bank as well as debts to the State budgets or debts towards the suppliers;
- there have been identified sure reimbursement possibilities to other terms and in other amounts
- present the documents issued by authorities that may confirm the value of the receivable to be cashed,
- presents with regularity the account extract opened with the where it collects such receivables;
- progressively with receivables collection, the facility granted by the Bank shall be reimbursed as well as the payment of the debts to the budget, subsequently cumulated.
 

5. Approving a reorganization plan for the customers in insolvency procedure

Application conditions:
- to legal persons in insolvency procedure - period of observation or judicial reorganization;
- the debtor/receiver is obliged to send to units of the Bank which manage the granted credit, the plan of reorganization, with all annexes, according to the provisions of the law.