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) 0

Suma minimă (lei) 0,00

Suma maximă (lei) 0,00

Perioada maximă (luni) 0

Suma creditului solicitat (lei) 850.000,00

Rata dobînzii (%) 14,00

Comision pentru acordarea creditului (%) 3,00

Data acordării creditului 21.11.2023

Nr. Data Dobînda Creditul Plata Soldul

tranșei plății calculată rambursat lunară creditului
1 21.12.2023 9.916,66 1.421,85 11.338,51 848.578,15
2 21.01.2024 9.900,07 1.438,44 11.338,51 847.139,71
3 21.02.2024 9.883,29 1.455,22 11.338,51 845.684,49
4 21.03.2024 9.866,31 1.472,20 11.338,51 844.212,29
5 21.04.2024 9.849,14 1.489,37 11.338,51 842.722,92
6 21.05.2024 9.831,76 1.506,75 11.338,51 841.216,17
7 21.06.2024 9.814,18 1.524,33 11.338,51 839.691,84
8 21.07.2024 9.796,40 1.542,11 11.338,51 838.149,73
9 21.08.2024 9.778,41 1.560,10 11.338,51 836.589,63
10 21.09.2024 9.760,21 1.578,30 11.338,51 835.011,33
11 21.10.2024 9.741,79 1.596,72 11.338,51 833.414,61
12 21.11.2024 9.723,17 1.615,34 11.338,51 831.799,27
13 21.12.2024 9.704,32 1.634,19 11.338,51 830.165,08
14 21.01.2025 9.685,25 1.653,26 11.338,51 828.511,82
15 21.02.2025 9.665,97 1.672,54 11.338,51 826.839,28
16 21.03.2025 9.646,45 1.692,06 11.338,51 825.147,22
17 21.04.2025 9.626,71 1.711,80 11.338,51 823.435,42
18 21.05.2025 9.606,74 1.731,77 11.338,51 821.703,65
19 21.06.2025 9.586,54 1.751,97 11.338,51 819.951,68
20 21.07.2025 9.566,10 1.772,41 11.338,51 818.179,27
21 21.08.2025 9.545,42 1.793,09 11.338,51 816.386,18
22 21.09.2025 9.524,50 1.814,01 11.338,51 814.572,17

Consumatorul ________________________
semnatura
 23 21.10.2025 9.503,34 1.835,17 11.338,51 812.737,00
24 21.11.2025 9.481,93 1.856,58 11.338,51 810.880,42
25 21.12.2025 9.460,27 1.878,24 11.338,51 809.002,18
26 21.01.2026 9.438,35 1.900,16 11.338,51 807.102,02
27 21.02.2026 9.416,19 1.922,32 11.338,51 805.179,70
28 21.03.2026 9.393,76 1.944,75 11.338,51 803.234,95
29 21.04.2026 9.371,07 1.967,44 11.338,51 801.267,51
30 21.05.2026 9.348,12 1.990,39 11.338,51 799.277,12
31 21.06.2026 9.324,89 2.013,62 11.338,51 797.263,50
32 21.07.2026 9.301,40 2.037,11 11.338,51 795.226,39
33 21.08.2026 9.277,64 2.060,87 11.338,51 793.165,52
34 21.09.2026 9.253,59 2.084,92 11.338,51 791.080,60
35 21.10.2026 9.229,27 2.109,24 11.338,51 788.971,36
36 21.11.2026 9.204,66 2.133,85 11.338,51 786.837,51
37 21.12.2026 9.179,77 2.158,74 11.338,51 784.678,77
38 21.01.2027 9.154,58 2.183,93 11.338,51 782.494,84
39 21.02.2027 9.129,10 2.209,41 11.338,51 780.285,43
40 21.03.2027 9.103,33 2.235,18 11.338,51 778.050,25
41 21.04.2027 9.077,25 2.261,26 11.338,51 775.788,99
42 21.05.2027 9.050,87 2.287,64 11.338,51 773.501,35
43 21.06.2027 9.024,18 2.314,33 11.338,51 771.187,02
44 21.07.2027 8.997,18 2.341,33 11.338,51 768.845,69
45 21.08.2027 8.969,86 2.368,65 11.338,51 766.477,04
46 21.09.2027 8.942,23 2.396,28 11.338,51 764.080,76
47 21.10.2027 8.914,27 2.424,24 11.338,51 761.656,52
48 21.11.2027 8.885,99 2.452,52 11.338,51 759.204,00
49 21.12.2027 8.857,38 2.481,13 11.338,51 756.722,87
50 21.01.2028 8.828,43 2.510,08 11.338,51 754.212,79
51 21.02.2028 8.799,14 2.539,37 11.338,51 751.673,42
52 21.03.2028 8.769,52 2.568,99 11.338,51 749.104,43
53 21.04.2028 8.739,55 2.598,96 11.338,51 746.505,47
54 21.05.2028 8.709,23 2.629,28 11.338,51 743.876,19
55 21.06.2028 8.678,55 2.659,96 11.338,51 741.216,23
56 21.07.2028 8.647,52 2.690,99 11.338,51 738.525,24
57 21.08.2028 8.616,12 2.722,39 11.338,51 735.802,85
58 21.09.2028 8.584,36 2.754,15 11.338,51 733.048,70
59 21.10.2028 8.552,23 2.786,28 11.338,51 730.262,42
60 21.11.2028 8.519,72 2.818,79 11.338,51 727.443,63
61 21.12.2028 8.486,84 2.851,67 11.338,51 724.591,96
62 21.01.2029 8.453,57 2.884,94 11.338,51 721.707,02
63 21.02.2029 8.419,91 2.918,60 11.338,51 718.788,42
64 21.03.2029 8.385,86 2.952,65 11.338,51 715.835,77
65 21.04.2029 8.351,41 2.987,10 11.338,51 712.848,67
66 21.05.2029 8.316,56 3.021,95 11.338,51 709.826,72

Consumatorul ________________________
semnatura
 67 21.06.2029 8.281,31 3.057,20 11.338,51 706.769,52
68 21.07.2029 8.245,64 3.092,87 11.338,51 703.676,65
69 21.08.2029 8.209,56 3.128,95 11.338,51 700.547,70
70 21.09.2029 8.173,05 3.165,46 11.338,51 697.382,24
71 21.10.2029 8.136,12 3.202,39 11.338,51 694.179,85
72 21.11.2029 8.098,76 3.239,75 11.338,51 690.940,10
73 21.12.2029 8.060,96 3.277,55 11.338,51 687.662,55
74 21.01.2030 8.022,72 3.315,79 11.338,51 684.346,76
75 21.02.2030 7.984,04 3.354,47 11.338,51 680.992,29
76 21.03.2030 7.944,91 3.393,60 11.338,51 677.598,69
77 21.04.2030 7.905,31 3.433,20 11.338,51 674.165,49
78 21.05.2030 7.865,26 3.473,25 11.338,51 670.692,24
79 21.06.2030 7.824,74 3.513,77 11.338,51 667.178,47
80 21.07.2030 7.783,74 3.554,77 11.338,51 663.623,70
81 21.08.2030 7.742,27 3.596,24 11.338,51 660.027,46
82 21.09.2030 7.700,32 3.638,19 11.338,51 656.389,27
83 21.10.2030 7.657,87 3.680,64 11.338,51 652.708,63
84 21.11.2030 7.614,93 3.723,58 11.338,51 648.985,05
85 21.12.2030 7.571,49 3.767,02 11.338,51 645.218,03
86 21.01.2031 7.527,54 3.810,97 11.338,51 641.407,06
87 21.02.2031 7.483,08 3.855,43 11.338,51 637.551,63
88 21.03.2031 7.438,10 3.900,41 11.338,51 633.651,22
89 21.04.2031 7.392,59 3.945,92 11.338,51 629.705,30
90 21.05.2031 7.346,56 3.991,95 11.338,51 625.713,35
91 21.06.2031 7.299,98 4.038,53 11.338,51 621.674,82
92 21.07.2031 7.252,87 4.085,64 11.338,51 617.589,18
93 21.08.2031 7.205,20 4.133,31 11.338,51 613.455,87
94 21.09.2031 7.156,98 4.181,53 11.338,51 609.274,34
95 21.10.2031 7.108,20 4.230,31 11.338,51 605.044,03
96 21.11.2031 7.058,84 4.279,67 11.338,51 600.764,36
97 21.12.2031 7.008,91 4.329,60 11.338,51 596.434,76
98 21.01.2032 6.958,40 4.380,11 11.338,51 592.054,65
99 21.02.2032 6.907,30 4.431,21 11.338,51 587.623,44
100 21.03.2032 6.855,60 4.482,91 11.338,51 583.140,53
101 21.04.2032 6.803,30 4.535,21 11.338,51 578.605,32
102 21.05.2032 6.750,39 4.588,12 11.338,51 574.017,20
103 21.06.2032 6.696,86 4.641,65 11.338,51 569.375,55
104 21.07.2032 6.642,71 4.695,80 11.338,51 564.679,75
105 21.08.2032 6.587,93 4.750,58 11.338,51 559.929,17
106 21.09.2032 6.532,50 4.806,01 11.338,51 555.123,16
107 21.10.2032 6.476,43 4.862,08 11.338,51 550.261,08
108 21.11.2032 6.419,71 4.918,80 11.338,51 545.342,28
109 21.12.2032 6.362,32 4.976,19 11.338,51 540.366,09
110 21.01.2033 6.304,27 5.034,24 11.338,51 535.331,85

Consumatorul ________________________
semnatura
 111 21.02.2033 6.245,53 5.092,98 11.338,51 530.238,87
112 21.03.2033 6.186,12 5.152,39 11.338,51 525.086,48
113 21.04.2033 6.126,00 5.212,51 11.338,51 519.873,97
114 21.05.2033 6.065,19 5.273,32 11.338,51 514.600,65
115 21.06.2033 6.003,67 5.334,84 11.338,51 509.265,81
116 21.07.2033 5.941,43 5.397,08 11.338,51 503.868,73
117 21.08.2033 5.878,46 5.460,05 11.338,51 498.408,68
118 21.09.2033 5.814,76 5.523,75 11.338,51 492.884,93
119 21.10.2033 5.750,32 5.588,19 11.338,51 487.296,74
120 21.11.2033 5.685,12 5.653,39 11.338,51 481.643,35
121 21.12.2033 5.619,17 5.719,34 11.338,51 475.924,01
122 21.01.2034 5.552,44 5.786,07 11.338,51 470.137,94
123 21.02.2034 5.484,94 5.853,57 11.338,51 464.284,37
124 21.03.2034 5.416,65 5.921,86 11.338,51 458.362,51
125 21.04.2034 5.347,56 5.990,95 11.338,51 452.371,56
126 21.05.2034 5.277,66 6.060,85 11.338,51 446.310,71
127 21.06.2034 5.206,95 6.131,56 11.338,51 440.179,15
128 21.07.2034 5.135,42 6.203,09 11.338,51 433.976,06
129 21.08.2034 5.063,05 6.275,46 11.338,51 427.700,60
130 21.09.2034 4.989,84 6.348,67 11.338,51 421.351,93
131 21.10.2034 4.915,77 6.422,74 11.338,51 414.929,19
132 21.11.2034 4.840,84 6.497,67 11.338,51 408.431,52
133 21.12.2034 4.765,03 6.573,48 11.338,51 401.858,04
134 21.01.2035 4.688,34 6.650,17 11.338,51 395.207,87
135 21.02.2035 4.610,75 6.727,76 11.338,51 388.480,11
136 21.03.2035 4.532,26 6.806,25 11.338,51 381.673,86
137 21.04.2035 4.452,86 6.885,65 11.338,51 374.788,21
138 21.05.2035 4.372,52 6.965,99 11.338,51 367.822,22
139 21.06.2035 4.291,25 7.047,26 11.338,51 360.774,96
140 21.07.2035 4.209,04 7.129,47 11.338,51 353.645,49
141 21.08.2035 4.125,86 7.212,65 11.338,51 346.432,84
142 21.09.2035 4.041,71 7.296,80 11.338,51 339.136,04
143 21.10.2035 3.956,58 7.381,93 11.338,51 331.754,11
144 21.11.2035 3.870,46 7.468,05 11.338,51 324.286,06
145 21.12.2035 3.783,33 7.555,18 11.338,51 316.730,88
146 21.01.2036 3.695,19 7.643,32 11.338,51 309.087,56
147 21.02.2036 3.606,02 7.732,49 11.338,51 301.355,07
148 21.03.2036 3.515,80 7.822,71 11.338,51 293.532,36
149 21.04.2036 3.424,54 7.913,97 11.338,51 285.618,39
150 21.05.2036 3.332,21 8.006,30 11.338,51 277.612,09
151 21.06.2036 3.238,80 8.099,71 11.338,51 269.512,38
152 21.07.2036 3.144,31 8.194,20 11.338,51 261.318,18
153 21.08.2036 3.048,71 8.289,80 11.338,51 253.028,38
154 21.09.2036 2.951,99 8.386,52 11.338,51 244.641,86

Consumatorul ________________________
semnatura
 155 21.10.2036 2.854,15 8.484,36 11.338,51 236.157,50
156 21.11.2036 2.755,17 8.583,34 11.338,51 227.574,16
157 21.12.2036 2.655,03 8.683,48 11.338,51 218.890,68
158 21.01.2037 2.553,72 8.784,79 11.338,51 210.105,89
159 21.02.2037 2.451,23 8.887,28 11.338,51 201.218,61
160 21.03.2037 2.347,55 8.990,96 11.338,51 192.227,65
161 21.04.2037 2.242,65 9.095,86 11.338,51 183.131,79
162 21.05.2037 2.136,53 9.201,98 11.338,51 173.929,81
163 21.06.2037 2.029,18 9.309,33 11.338,51 164.620,48
164 21.07.2037 1.920,57 9.417,94 11.338,51 155.202,54
165 21.08.2037 1.810,69 9.527,82 11.338,51 145.674,72
166 21.09.2037 1.699,53 9.638,98 11.338,51 136.035,74
167 21.10.2037 1.587,08 9.751,43 11.338,51 126.284,31
168 21.11.2037 1.473,31 9.865,20 11.338,51 116.419,11
169 21.12.2037 1.358,22 9.980,29 11.338,51 106.438,82
170 21.01.2038 1.241,78 10.096,73 11.338,51 96.342,09
171 21.02.2038 1.123,99 10.214,52 11.338,51 86.127,57
172 21.03.2038 1.004,82 10.333,69 11.338,51 75.793,88
173 21.04.2038 884,26 10.454,25 11.338,51 65.339,63
174 21.05.2038 762,29 10.576,22 11.338,51 54.763,41
175 21.06.2038 638,90 10.699,61 11.338,51 44.063,80
176 21.07.2038 514,07 10.824,44 11.338,51 33.239,36
177 21.08.2038 387,79 10.950,72 11.338,51 22.288,64
178 21.09.2038 260,03 11.078,48 11.338,51 11.210,16
179 21.10.2038 130,78 11.210,16 11.340,94 0,00
Total (179 plăți) 1.179.595,72 850.000,00 2.029.595,72

INFORMAȚIE GENERALA

Suma creditului (lei) 850.000,00

Suma comisionului (lei) 25.500,00

Suma totală a dobînzii (lei) 1.179.595,72

Valoarea totală plătibila (lei) 2.055.095,72

Dobînda anuala efectivă (%) 15,62

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,

Consumatorul ________________________
semnatura
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

la data de _______________.

Semnătura ____________________

Consumatorul ________________________
semnatura