Consumer credits

The consumer credit allows:

• To receive the goods that would be waited for a long time without using a credit;
• To get low priced goods during discounts;
• To carry out payments through the bank account that are more convenient and safer than paying  cash.

The consumer credit, is:

• A convenient form of payment for goods;
• An opportunity to carry out charges during the period when incomes are not received yet;
• An opportunity to pay for goods a longer period of time than the period between two receipts of incomes.

You can get a credit from CB "COMERŢBANK" JSC  if:

• You satisfy the condition of solvency established by  Bank;
• Have a constant place of work;
• Your age exceeds 18 years.

Credits given to individuals:

* Tariffs for the credit services rendered to individuals are submitted in section TARRIFS

To receive a credit the individual must give the bank together with the application for credit the fallowing documents

The potential Debtor should give the Bank the original documents.

At the decision of the Bank a part of the documents will stay in the Bank before the credit and other debts connected with it will be fully returned. Other documents will be returned to the potential Debtor, and replaced with copies, certified by wet seals and the signature of the potential Debtor. (this requirement is also valid for the documents presented by the Debtor to the Bank during the return period of the credit).

I. The general information about the potential Debtor

• The application of the potential Debtor: the sum, the credit period, purpose, guarantees, the obligation to return the credit
• The identification card of the potential Debtor and a copy
• The information about the salary of the potential Debtor
• The declaration on incomes (if exists)
• Property documents on real estate, vehicles, etc of the potential Debtor (if exists)
• Confirmation that the potential Debtor has made the municipal payments (if exists)
• The information confirming the potential Debtor's possibility to pay back the credit and interests

II. Guarantees for credit

а) Real estate:

• Identification cards of the owners - individuals;
• Extract from the Register of Real Estate and all documents that confirm the property rights on the estate
• The inventory book;
• The consent of the body of trusteeship and guardianship for mortgaging the estate if minor children participated in privatization;
• The document confirming the property rights to the ground or the right to transfer to a pledge the rights of possession to the ground;
• The estimation of the market cost  carried out by an independent expert;
• The certificate received in tax bodies confirming paying the real estate tax (the Depositor - individual), or the absence / existence of debts to the state (the Depositor - legal entity);

b) Vehicles:

• Extract from the Department of Information Technologies confirming the absence of interdictions;
• Copy of the  registration certificate of a vehicle;
• Confirmation of passing the technical checkup;
• Insurance policy of the vehicle for the benefit of the Bank (usually);
• Estimation of the market cost carried out by an independent appraiser (usually);

c) Goods, raw material,  equipment:

• The list containing: the amount, number, volume, year of release, market cost, balance cost, etc.
• The documents confirming the property right (invoices etc.)
• Documents confirming the guarantee period, the validity of the goods
• For the imported goods: the invoices, customs declarations
• Certificates of quality, conformity
• Estimation of market cost of the incorporated property, carried out by an independent expert (usually).

III. If the potential Depositor is a third party (legal entity), the following documents should be submitted:

1. Copy of the identification card of the director, the chief accountant and the founders;
2. The new certificate of the enterprise;
3. Extract from the State Register of  Enterprises and Organizations containing the information: about the director, founders, shares in the authorized capital and types of activity (for societies with limited liability, individual businessmen) for the current date;
4. Extract from the Register of Shareholders (joint-stock company);
5. The power of attorney on the authorized representatives of firm or the founders, certified by the notary;
6. The report confirming the election of the members of Council (for joint-stock company,  if the Council is deciding authority in attraction of the credit);
7. The order on assignment of the chief accountant;
8. The potential Depositor joint venture (Open Company):
1. Founders non-residents (individuals):
1. Copy of the passport;
2. Founders non-residents (legal entity):
1. Constituent documents;
2. Extract from the Register of  Enterprises of the country of the non-resident , containing the information on founders, the director and the legal address;
3. The decision that permits the manager to take decisions  in the territory of The Republic of Moldova, or notarially certified decision if the authorized person is not the manager.
4. The report stating the conditions:
1. The contract of a pledge (the pledge - property of the potential Debtor):
1. Market cost _______;
2. Mortgaging cost _________;
9. The provided obligation: the credit contract ______, the sum of credit: ____, the return period of credit ______, the Debtor _______;
10. Extract about the absence / existence of debts to the State (local) budget or the Social Fund;
11. Accounting balance for the last date;
12. The guarantee: the Copy of the document confirming the property right to the real estate, a vehicle, etc.

Note:

1. The bank has the right to ask the potential Debtor for any document concerning granting of the credit;
2. The bank  will make for each potential Debtor an individual list of documents depending on the purpose of the credit, on the legal form of the potential Debtor, and on the credit guarantees, which should be submitted together with the application for credit.

The consumer credits given by CB "COMERTBANK" JSC to individuals for purchasing  electro-household goods in  " ELEFANT " markets.

Conditions of granting the consumer credit:

Advantages of the consumer credit:

• The minimal package of needed documents;
• The comprehensible interest rate - 21 %;
• There are no commission for analysing the application, maintaining the account and making the credit contract;
• There is no pledge and no guarantees are needed (usually);
• Short term (1 day) of analysing  the application for the credit;
• The simplified procedure of reception the credit.

Necessary documents for receiving the credit:

• The identity card;
• Written confirmation of the initial source of repayment  the credit;
• The policy of medical insurance (if exists);
• Copy of the technical passport and the driving licence (if are available);
• The documents confirming the property right on the real estate (if are available);
• The declaration on incomes (if exists);
• Extract from the bank accounts (if is available);
• (the Guarantor (if there is such) gives the same documents).

Contact phone: (+373 22) 28-06-58