Pre-contractual information
STATEMENT OF ACCEPTANCE OF THE CREDIT OFFER, ______
(related to entrepreneurial activity)
I, the undersigned, ________________, identified by ___________, series ___, number ________, issued by ___________, on ____________, personal code ____________, declare in full knowledge that the Creditor has made it available to me, and I have made known and accept the following below:
1. Name and Contact Information of the Creditor
Creditor
Address
Phone number
Email Address
Web page
2. Description of main Characteristics of the Credit Product (offer)
Type of loan
Total loan amount
Conditions governing the drawdown of the credit
(the method and timing of accessing the funds) 		Depending on the terms of the loan product and the contractual provisions individually negotiated by the Parties, the disbursement of funds will be made by bank transfer to the account indicated by the Borrower, or (at the Borrower’s discretion) via the MIA Instant Payments system, by direct transfer to the Creditor’s Partner, following the signing of the loan agreement and verification of compliance with the eligibility conditions.
Term of credit agreement, months
The credit is granted for a fixed period of time, and its reimbursement is obligatory It is possible to extend the term of the loan for new periods provided that the Debtor meets the eligibility conditions of the Creditor.
Loan purpose: For entrepreneurial / professional activity (trade, production, services, etc.)
The order and installments in which the funds will be disbursed
What should be repaid: 		monthly installments of
The amount, quantity and frequency of payments
Date Credit rate Interest rate Commission Total to be paid

These numbers can vary slightly depending of the day of actual credit disbursement

The amount of the first payment represents the commission related to the services provided for the loan usage, calculated based on the total loan amount, and paid by the Borrower on the loan disbursement date from their own funds, or deducted by the Creditor from the loan amount at the Borrower's choice. The amount of the monthly payment corresponds to the currency of the loan.

Interest and/or charges are to be paid in the following order monthly
Total amount to be paid -
Total cost of credit -
This represents the sum of the borrowed principal plus interest and any applicable loan-related costs These numbers can vary slightly depending of the day of actual credit disbursement
Necessary guarantees Guarantee and/or pledge.
Repayments do not lead to immediate amortization of the capital Repayments can lead to immediate amortization of the capital
3. Costs of the credit
Rates related to the credit
Annual Percentage Rate of Charge (APR)


This is the total cost expressed as an annual percentage of the total loan amount. The APR helps you compare different loan offers. 		%
In order to obtain the loan in accordance with the agreed terms and conditions, it is mandatory to conclude an insurance contract to guarantee the loan or a contract for another ancillary service.
Related costs
Any other costs deriving from the loan agreement
  • The fee for services related to the use of the loan shall be calculated and paid as follows:
    • of the credit and paid by the Debtor on the date of granting the credit from own sources or is deducted by the Creditor from the amount of the credit
  • The negotiation / prolongation of the credit can take place by mutual agreement of the parties, by signing an additional agreement, the Creditor being entitled to request an increase in the interest rate within the limits provided by the legislation in force.
  • Взимание указанной комиссии обосновано встречным предоставлением со стороны Кредитора в связи с использованием кредита Заемщиком, а именно: предварительное уведомление Заемщика посредством SMS о датах платежей и просрочках по кредиту; обслуживание Call-центра и возможность оперативно получить ответы на любые вопросы, связанные с предоставленным кредитом; утверждение и поддержание кредитного лимита Заемщика по результатам проведенного финансового анализа; оценка кредитоспособности Заемщика и покрытие расходов, связанных с доступом к публичным реестрам и реестрам BIC. Пересмотр условий и/или продление срока кредита может осуществляться по взаимному согласию Сторон путем подписания дополнительного соглашения, при этом Кредитор вправе требовать увеличения процентной ставки в пределах, предусмотренных действующим законодательством.
The conditions under which the costs under the loan agreement may be modified
  • The Parties may modify the costs related to the credit by a written agreement signed by all Parties and/or concluded by means of distance communication, provided that the Creditor gives its consent.
  • For the non-constitution of the guarantees within the agreed term, the Creditor is entitled to calculate, and the Client will pay to the Creditor an Interest of delay in the amount of 5% annually, applied to of the daily balance for each day of delay, starting with the date following the term established for the constitution of the guarantee/ s and until the date of the proper execution of the respective obligation.
Obligation to pay for notarial fees / mortgage registration fees / fees for noting the prohibition of pledge in the Transport Register related to the pledge of means of transport (agricultural machinery) Paid by the Client , except as otherwise provided in the pledge / mortgage agreement.
The cost for the valuation of real estate proposed in pledge Paid by the Client directly to the Evaluator
Costs in the case of late payments
Missing payments could have severe consequences for you (e.g. forced sale) and make obtaining credit more difficult
Погашение кредита может осуществляться бесплатно в филиалах Кредитора, а также, по усмотрению Заемщика, через уполномоченных представителей по приему платежей по погашению кредита, перечень которых и соответствующие комиссии опубликованы на официальном сайте Кредитора (https://microinvest.md/ru/kak-oplatit-kredit/). В случае использования Заемщиком платных способов оплаты, Заемщик несет все расходы, связанные с погашением кредита, и обязуется осуществлять платежи таким образом, чтобы Кредитор получил согласованную сумму погашения в полном объеме, без каких-либо удержаний со стороны третьих лиц, осуществляющих обработку платежа. В случае непредоставления обеспечений в согласованный срок либо невыполнения Заемщиком обязательства по дополнению обеспечений, необходимых для обеспечения возврата кредита, Кредитор вправе начислить, а Заемщик обязан уплатить Кредитору проценты за просрочку в размере 5% годовых, начисляемые на [МетодРасчетаПроцентов], за каждый день просрочки, начиная со дня, следующего за установленным сроком предоставления обеспечения(й), и до дня надлежащего исполнения соответствующего обязательства. Общая стоимость кредита не будет установлена и не может превышать общую сумму кредита, фактически выданную в соответствии с договором кредита, в случае кредитов, не предназначенных для приобретения, строительства или реконструкции (модернизации) жилого помещения, обеспеченных недвижимым имуществом в целях обеспечения обязательств по возврату соответствующего кредита.
4. Other important legal aspects
Right of withdrawal Yes - You have the right to withdraw from the loan agreement within 14 calendar days.
Early repayment Yes - you have the right to make a full or partial early repayment of the loan at any time.
The creditor is entitled to compensation in the case of early repayment The Debtor may repay the loan in full or in part in advance, notifying the Creditor in writing 3 days in advance, and paying an early repayment fee of:
  • % of the amount repaid early, if the period between the early repayment and the agreed maturity date of the loan agreement exceeds one year;; % from early repaid amount.The early repayment can be made only if the Debtor has no outstanding debts on interest or other amounts to be paid in accordance with the Contract.
  • % of the amount repaid early, if the period between the early repayment and the agreed maturity date of the loan agreement does not exceed one year.
Database usage
The parties may agree on additional terms and conditions, which will be included in the credit agreement. 		Да - Кредитор обязан незамедлительно и бесплатно проинформировать вас о результатах проверки базы данных, если заявление на получение кредита было отклонено на основании такой проверки. Это требование не применяется в случае, если предоставление такой информации запрещено законом либо противоречит целям общественного порядка или общественной безопасности.
The right to a draft loan agreement
 Yes - You have the right, upon request, to obtain a free copy of the draft loan agreement. This provision does not apply if, at the time of the request, the Creditor is unwilling to proceed with the conclusion of the loan agreement with you.
The period of time during which the creditor is bound by the pre-contractual obligations This offer is valid for 15 calendar days after it is issued .
The existence and possibility of using an out-of-court complaint and dispute resolution procedure. Any dispute, disagreement, or claim shall be resolved amicably by the Parties through the exchange of notifications. If the Parties are unable to reach a mutually agreed solution, such dispute shall be resolved by the competent courts of the Republic of Moldova.
The loan agreement and, where applicable, the related documents shall be concluded using distance communication means (within the meaning of Law No. 157/2014). Для заключения кредитного договора и, при необходимости, сопутствующих документов с использованием средств дистанционной связи применяется личный кабинет Заемщика, доступный на официальном сайте Кредитора (www.microinvest.md ), либо приложение, разработанное Кредитором для этих целей, а также, в частности, устройство Заемщика (мобильный телефон/SIM-карта с заявленным номером телефона) и SMS (служба коротких сообщений мобильной связи) с одноразовыми паролями (OTP). Таким образом, путем нажатия Заемщиком кнопки «Заключить дистанционно» в своем личном кабинете и использования номера телефона, заявленного Заемщиком, Кредитор направляет Заемщику посредством SMS уникальный одноразовый пароль (OTP), который Заемщик вводит на отображаемой подстранице. В случае совпадения введенного кода соответствующий документ считается заключенным.
a) Regarding the Creditor:
  • Creditor’s Representative: Dumitru Svinarenco;
  • Address: MD-2024, Chisinau, 12 Renasterii Nationale Blvd.;
  • Phone: (022) 801701
  • Email address: microinvest@microinvest.md;
  • Website: www.microinvest.md;
Supervisory authority: O.C.N. Microinvest SRL, IDNO 1003600053518, authorized under license No. 075 dated 25 March 2019, pursuant to the decision adopted by the National Commission for Financial Markets (CNPF) No. 12/17 of 25 March 2019.
Registration number (IDNO): National Commission for Financial Markets, IDNO 1007601001293, address: 77 Stefan cel Mare Si Sfant Blvd., Chisinau, MD-2012; phone: +373 22 859 401, email: office@cnpf.md
b) Regarding the loan agreement: The Borrower has the right to withdraw from the Agreement without stating any reasons within 14 calendar days from the date of its conclusion or from the date on which the Borrower is informed of the contractual terms and conditions.
Exercise of the right of withdrawal: Условия отказа: Заемщик уведомляет Кредитора, указывая имя, фамилию, IDNP и номер расторгаемого кредитного договора, с использованием средств, подтверждающих получение уведомления, а именно: в письменной форме по почтовому адресу Кредитора: MD-2024, мун. Кишинёв, бд. Renașterii Naționale, 12; или в соответствии с законодательством об электронной идентификации и доверительных услугах, путем применения электронной подписи и направления уведомления на адрес электронной почты microinvest@microinvest.md. Заемщик обязан полностью погасить сумму кредита и начисленные по нему проценты за период с даты предоставления кредита до даты его погашения, без неоправданной задержки и не позднее 30 календарных дней с даты направления уведомления об отказе Кредитору. Проценты рассчитываются на основании процентной ставки по кредиту, предусмотренной Договором. Кредитор имеет право на компенсацию любых невозмещаемых сборов, уплаченных им органам публичной власти.
The law applied by the Creditor as the basis for establishing relations with you prior to the conclusion of the loan agreement. Law No. 202 of 12 July 2013, Law No. 157 of 18 July 2014, and the Civil Code of the Republic of Moldova.
Clause specifying the law applicable to the loan agreement and/or the competent court: The applicable law is the law of the Republic of Moldova, and the competent courts are the courts of the Republic of Moldova.
Language provisions The information and contractual terms will be provided in Romanian. With your consent, communication throughout the duration of the loan agreement will be conducted in Romanian.
c) regarding remedies. The existence and availability of an out-of-court dispute resolution procedure and legal remedies: Any dispute, disagreement, or claim arising out of or in connection with the loan agreement shall be settled amicably by the Parties through the exchange of notifications. If the Parties fail to reach a mutually agreed solution, such disputes shall be resolved by the competent courts of the Republic of Moldova.
Additional information to be provided in the case of distance marketing of financial services
In this regard, I subsequently declare that:
  • I was provided with the necessary information, the essential characteristics of the above-mentioned credit product were explained (interest rate, number of commissions, credit costs, early repayment conditions, total amount to be paid), as well as the consequences of non-compliance with contractual clauses;
  • the costs included in the total cost of the loan were explained to me, including the costs for ancillary services related to the credit agreement;
  • I was offered the possibility to negotiate individually the contractual clauses in the credit agreement that I intend to sign, I negotiated individually the granting commission, the monthly commission, the amount of penalties and I mention that its clauses do not disadvantage me, being fair in the report mine with the creditor;
  • I was asked by the creditor about the probable importance of the information provided and whether essential circumstances that I expected to be provided were not omitted in order to make an informed and rational decision about concluding the potential credit agreement.
  • the information provided and the corresponding explanations allowed me to assess, including the personal analysis of other offers of third party creditors, whether the proposed credit agreement is tailored to my needs and financial situation;
  • I know the content of the contract and all its conditions have been explained to me, I have understood and accepted them, and the documents and information underlying the conclusion of the contract are complete and accurate;
  • I know the law, the normative acts that will govern the contract, as well as the lack of consumer quality;
  • I have no ambiguities or misunderstandings regarding the terms of the contract;
  • the credit product corresponds to the purpose described above and will be used according to the destination and the economic activity carried out.
  • The assets procured/resulted/constructed/repaired from received loan sources will be registered/transmitted in the social capital of the company where my business activity is carried out and/or will be used jointly by the members or individually however strictly for running my business activity.

(Signature)