Beneficii
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  • Securities: flexibility regarding the type of guarantees accepted
  • No down payments or own contribution
  • Refinancing: you can use this type of loan to refinance other loans/lines of credit

The solutions for financing the current activity help you cover your daily expenses. Don't worry about payments for raw materials, stocks, salaries or taxes.

Loans for current activity with variable interest
0
%
Interest *:
First Rate:
DAE:
-
IRCC:
-
Monthly Administrative Commission:
-
Analysis commission:
-
Total refund:
-
Loans for current activity with fixed interest
0
%
Interest*:
First Rate:
DAE:
-
Month Administrative Commission:
-
Analysis commission:
-
Total rambursare:
-

* Formată din marja fixă + IRCC

La solicitarea clienților, Banca poate acorda în euro numai în instituția în care acestia și dovedesc obținerea veniturilor în euro.

În cont sun încasate venituri recurente și contul este utilizat pentru plăți sau transferuri, altele decăt transferuri între conturi prorii/debitare rate/debitare comisioane.
Venit recurent înseamnă venitul (ex. salariul, pensie, chirie etc.) Încasat lunar în cont, cel puțin 3 luni consecutiv, în valoare de minim 70 lei/luna/cont. Nu se consideră venit recurent încasarile provenite din jocurile de noroc.

Discover all the Loans for current activity details:

  • Currency: lei or euro
  • Maximum amount you can get is established according to the working capital requirement, financial statements and repayment capacity
  • Flexibility: you can benefit from a grace period of up to 12 months and decide together with the bank how to use the credit (withdrawals) and you can repay in monthly, quarterly or half-yearly instalments, depending on the specifics and seasonality of your activity
  • Granting period: maximum 7 years.
  • Costs: interest rate established according to the risk profile and the value of the loan (ROBOR/EURIBOR + fixed margin), analysis fee - 0.5%, minimum 1,000 lei - maximum 3,000 lei, yearly management fee - 1%.

 

Credit line:

  • Currency: lei or euro
  • 30% of turnover in the last 12 months. The maximum amount is set according to the working capital requirement, financial statements, and repayment capacity. The limits vary for new companies and companies that already have a relationship with the bank.
  • Flexibility: you can always use the money (withdrawals) in full or in instalments, depending on your financing needs and you can make repayments at any time
  • Granting period: maximum 2 years.
  • Securities: flexibility regarding the type of guarantees accepted. You can also benefit from state guarantees (through FNGCIMM) or European guarantees (through COSME).
  • Costs: interest established according to the risk profile and the value of the loan (ROBOR / EURIBOR + fixed margin), analysis fee - 0.5%, min. 1,000 lei - max. 3,000 lei, annual management fee - 1%.

 

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