Informație precontractuală privind condițiile de eliberare a creditelor destinate persoanelor fizice-consumatori a SA

"Corporația de Finanțare Rurală" (adresa juridică - mun. Chișinău, str. Ion Creangă 10/5, MD 2069, telefon +373 22
59 55 59, fax +373 22 59 56 59, e-mail - office@microfinance.md, adresa web - www.microfinance.md)

Produsul (denumirea) Persoane fizice

Suma minimă (lei) 30,000.00
Suma maximă (lei) 2,500,000.00
Perioada maximă (luni) 120
Suma creditului solicitat (lei) 300,000.00
Rata dobînzii (%) 16.00
Comision pentru acordarea cre 3.00
Data acordării creditului 15.04.2022
Nr. Data Dobînda Creditul Plata
tranșei plății calculată rambursat lunară
1 20.05.2022 4,734.24 1,042.63 5,776.87
2 20.06.2022 3,986.09 1,056.53 5,042.62
3 20.07.2022 3,972.01 1,070.61 5,042.62
4 20.08.2022 3,957.73 1,084.89 5,042.62
5 20.09.2022 3,943.27 1,099.35 5,042.62
6 20.10.2022 3,928.61 1,114.01 5,042.62
7 20.11.2022 3,913.75 1,128.87 5,042.62
8 20.12.2022 3,898.70 1,143.92 5,042.62
9 20.01.2023 3,883.45 1,159.17 5,042.62
10 20.02.2023 3,868.00 1,174.62 5,042.62
11 20.03.2023 3,852.33 1,190.29 5,042.62
12 20.04.2023 3,836.46 1,206.16 5,042.62
13 20.05.2023 3,820.38 1,222.24 5,042.62
14 20.06.2023 3,804.08 1,238.54 5,042.62
15 20.07.2023 3,787.57 1,255.05 5,042.62
16 20.08.2023 3,770.84 1,271.78 5,042.62
17 20.09.2023 3,753.88 1,288.74 5,042.62
18 20.10.2023 3,736.70 1,305.92 5,042.62
19 20.11.2023 3,719.28 1,323.34 5,042.62
20 20.12.2023 3,701.64 1,340.98 5,042.62
21 20.01.2024 3,683.76 1,358.86 5,042.62
22 20.02.2024 3,665.64 1,376.98 5,042.62
23 20.03.2024 3,647.28 1,395.34 5,042.62
24 20.04.2024 3,628.68 1,413.94 5,042.62
25 20.05.2024 3,609.82 1,432.80 5,042.62
26 20.06.2024 3,590.72 1,451.90 5,042.62
27 20.07.2024 3,571.36 1,471.26 5,042.62
28 20.08.2024 3,551.75 1,490.87 5,042.62
29 20.09.2024 3,531.87 1,510.75 5,042.62
30 20.10.2024 3,511.72 1,530.90 5,042.62
31 20.11.2024 3,491.31 1,551.31 5,042.62
32 20.12.2024 3,470.63 1,571.99 5,042.62
33 20.01.2025 3,449.67 1,592.95 5,042.62
34 20.02.2025 3,428.43 1,614.19 5,042.62
35 20.03.2025 3,406.91 1,635.71 5,042.62
36 20.04.2025 3,385.10 1,657.52 5,042.62
37 20.05.2025 3,363.00 1,679.62 5,042.62
38 20.06.2025 3,340.60 1,702.02 5,042.62
39 20.07.2025 3,317.91 1,724.71 5,042.62
40 20.08.2025 3,294.91 1,747.71 5,042.62
41 20.09.2025 3,271.61 1,771.01 5,042.62
42 20.10.2025 3,248.00 1,794.62 5,042.62
43 20.11.2025 3,224.07 1,818.55 5,042.62
44 20.12.2025 3,199.82 1,842.80 5,042.62
45 20.01.2026 3,175.25 1,867.37 5,042.62
46 20.02.2026 3,150.35 1,892.27 5,042.62
47 20.03.2026 3,125.12 1,917.50 5,042.62
48 20.04.2026 3,099.55 1,943.07 5,042.62
49 20.05.2026 3,073.65 1,968.97 5,042.62
50 20.06.2026 3,047.39 1,995.23 5,042.62
51 20.07.2026 3,020.79 2,021.83 5,042.62
52 20.08.2026 2,993.83 2,048.79 5,042.62
53 20.09.2026 2,966.52 2,076.10 5,042.62
54 20.10.2026 2,938.83 2,103.79 5,042.62
55 20.11.2026 2,910.78 2,131.84 5,042.62
56 20.12.2026 2,882.36 2,160.26 5,042.62
57 20.01.2027 2,853.56 2,189.06 5,042.62
58 20.02.2027 2,824.37 2,218.25 5,042.62
59 20.03.2027 2,794.79 2,247.83 5,042.62
60 20.04.2027 2,764.82 2,277.80 5,042.62
61 20.05.2027 2,734.45 2,308.17 5,042.62
62 20.06.2027 2,703.67 2,338.95 5,042.62
63 20.07.2027 2,672.49 2,370.13 5,042.62
64 20.08.2027 2,640.89 2,401.73 5,042.62
65 20.09.2027 2,608.86 2,433.76 5,042.62
66 20.10.2027 2,576.41 2,466.21 5,042.62
67 20.11.2027 2,543.53 2,499.09 5,042.62
68 20.12.2027 2,510.21 2,532.41 5,042.62
69 20.01.2028 2,476.44 2,566.18 5,042.62
70 20.02.2028 2,442.23 2,600.39 5,042.62
71 20.03.2028 2,407.56 2,635.06 5,042.62
72 20.04.2028 2,372.42 2,670.20 5,042.62
 73 20.05.2028 2,336.82 2,705.80 5,042.62
74 20.06.2028 2,300.74 2,741.88 5,042.62
75 20.07.2028 2,264.18 2,778.44 5,042.62
76 20.08.2028 2,227.14 2,815.48 5,042.62
77 20.09.2028 2,189.60 2,853.02 5,042.62
78 20.10.2028 2,151.56 2,891.06 5,042.62
79 20.11.2028 2,113.01 2,929.61 5,042.62
80 20.12.2028 2,073.95 2,968.67 5,042.62
81 20.01.2029 2,034.37 3,008.25 5,042.62
82 20.02.2029 1,994.26 3,048.36 5,042.62
83 20.03.2029 1,953.61 3,089.01 5,042.62
84 20.04.2029 1,912.42 3,130.20 5,042.62
85 20.05.2029 1,870.69 3,171.93 5,042.62
86 20.06.2029 1,828.40 3,214.22 5,042.62
87 20.07.2029 1,785.54 3,257.08 5,042.62
88 20.08.2029 1,742.11 3,300.51 5,042.62
89 20.09.2029 1,698.11 3,344.51 5,042.62
90 20.10.2029 1,653.51 3,389.11 5,042.62
91 20.11.2029 1,608.32 3,434.30 5,042.62
92 20.12.2029 1,562.53 3,480.09 5,042.62
93 20.01.2030 1,516.13 3,526.49 5,042.62
94 20.02.2030 1,469.11 3,573.51 5,042.62
95 20.03.2030 1,421.47 3,621.15 5,042.62
96 20.04.2030 1,373.18 3,669.44 5,042.62
97 20.05.2030 1,324.26 3,718.36 5,042.62
98 20.06.2030 1,274.68 3,767.94 5,042.62
99 20.07.2030 1,224.44 3,818.18 5,042.62
100 20.08.2030 1,173.53 3,869.09 5,042.62
101 20.09.2030 1,121.94 3,920.68 5,042.62
102 20.10.2030 1,069.67 3,972.95 5,042.62
103 20.11.2030 1,016.69 4,025.93 5,042.62
104 20.12.2030 963.02 4,079.60 5,042.62
105 20.01.2031 908.62 4,134.00 5,042.62
106 20.02.2031 853.50 4,189.12 5,042.62
107 20.03.2031 797.65 4,244.97 5,042.62
108 20.04.2031 741.05 4,301.57 5,042.62
109 20.05.2031 683.69 4,358.93 5,042.62
110 20.06.2031 625.57 4,417.05 5,042.62
111 20.07.2031 566.68 4,475.94 5,042.62
112 20.08.2031 507.00 4,535.62 5,042.62
113 20.09.2031 446.53 4,596.09 5,042.62
114 20.10.2031 385.24 4,657.38 5,042.62
115 20.11.2031 323.15 4,719.47 5,042.62
116 20.12.2031 260.22 4,782.40 5,042.62
117 20.01.2032 196.45 4,846.17 5,042.62
 118 20.02.2032 131.84 4,910.78 5,042.62
119 20.03.2032 66.36 4,977.47 5,043.83
Total (119plati) 300,807.24 300,000.00 600,807.24

INFORMAȚIE GENERALA

Suma creditului (lei) 300,000.00

Suma comisionului (lei) 9,000.00
Suma totală a dobînzii (lei) 300,807.24
Valoarea totală plătibila (lei) 609,807.24
Dobînda anuala efectivă (%) 18.18

NOTA: Calcul estimativ realizat prin intermediul calculatorului de credit este orientativ și nu are valoare contractuală
Dobînda aferentă creditului se calculează după următoarea formulă:
Sd=Sd*r/100*Nz/D unde Sd - soldul creditului, r - rata anuală a dobînzii, Nz - numărul de zile calendaristice, D - 365
zile.
Dobînda anuală efectivă este stabilită cu condiția că creditul este tras imediat și integral, creditul va fi rambursat
conform graficul indicat, iar rata dobînzii și celelalte costuri vor ramîne fixe în raport cu nivelul inițial și se aplică pe
toată perioada creditului.

Eu consumatorul ______________________________ am primit această informație

numele, prenumele

Semnătura ____________________
or fizice-consumatori a SA
MD 2069, telefon +373 22
icrofinance.md)

Soldul
creditului
298,957.37
297,900.84
296,830.23
295,745.34
294,645.99
293,531.98
292,403.11
291,259.19
290,100.02
288,925.40
287,735.11
286,528.95
285,306.71
284,068.17
282,813.12
281,541.34
280,252.60
278,946.68
277,623.34
276,282.36
274,923.50
273,546.52
272,151.18
270,737.24
269,304.44
267,852.54
266,381.28
264,890.41
263,379.66
261,848.76
260,297.45
258,725.46
257,132.51
255,518.32
253,882.61
252,225.09
250,545.47
248,843.45
247,118.74
245,371.03
243,600.02
241,805.40
239,986.85
238,144.05
236,276.68
234,384.41
232,466.91
230,523.84
228,554.87
226,559.64
224,537.81
222,489.02
220,412.92
218,309.13
216,177.29
214,017.03
211,827.97
209,609.72
207,361.89
205,084.09
202,775.92
200,436.97
198,066.84
195,665.11
193,231.35
190,765.14
188,266.05
185,733.64
183,167.46
180,567.07
177,932.01
175,261.81
172,556.01
169,814.13
167,035.69
164,220.21
161,367.19
158,476.13
155,546.52
152,577.85
149,569.60
146,521.24
143,432.23
140,302.03
137,130.10
133,915.88
130,658.80
127,358.29
124,013.78
120,624.67
117,190.37
113,710.28
110,183.79
106,610.28
102,989.13
99,319.69
95,601.33
91,833.39
88,015.21
84,146.12
80,225.44
76,252.49
72,226.56
68,146.96
64,012.96
59,823.84
55,578.87
51,277.30
46,918.37
42,501.32
38,025.38
33,489.76
28,893.67
24,236.29
19,516.82
14,734.42
9,888.25
 4,977.47
0.00

și nu are valoare contractuală

de zile calendaristice, D - 365

creditul va fi rambursat
nivelul inițial și se aplică pe