Leasing is a special form of financing whereby one party (lessor) commits himself to the request of another party (lessee) to provide him with the temporary possession and use of a good, purchased or produced by the lessor, against a periodic payment (lease rate). ), and at the expiration of the contract respect the option right of the tenant to buy the property, to extend the lease or to fulfill the contractual relations.
The object of the lease can be any movable or immovable property, except:
The subjects of leasing relationships are:
Leasing can take the following forms:
Loans for investments made by individuals
Individuals
For the purchase, construction or renovation of a home, the purchase of cars, for business purposes, etc.
From 30 000 lei to 1 000 000 de lei
60 months
Varying, based on the credit's amount
Equal amounts or based on an individual graph
Monthly
140% of the loan's sum
3% off of the loan's sum
*a pledge agreement with the third person may be necessary
Loans for individuals for current consumption
This loan is intended for current consumption needs of individuals, such as purchasing electronic equipment, household products, traveling abroad, study fees, etc.
Individuals
For current consumption
From 5 000 lei to 100 000 lei
36 months
Varying, based on loan's amount
Monthly
130% of the loan's amount or guarantee
2,5% off of the loan's amount
Loans for the agricultural sector and rural development
For planting vineyards / orchards; processing of agricultural raw material; the production of dairy products and agricultural products; seed production, seedlings and growing vegetables in greenhouses; collecting agricultural products; fruit storage and maintenance; maintenance and repair of agricultural tech; maintenance and storage of products (cold rooms)
O.C.N. “MoldCredit” SRL offers non-bank loans in particularly advantageous conditions. This is due to the recent signing of the Subsidiary Credit Agreements with the Ministry of Finance and the Directorate of the Credit Line next to the Ministry of Finance of the Republic of Moldova. The agreement refers to the financial intermediation of the re-lending operations of the resources of the investment projects financed from the external credits of the World Bank and other international financial organizations granted for the support of private enterprises (individuals and legal entities of any organizational-legal form), directed to the development of the agricultural sector and rural business. Active projects are: FIDA I; FIDA II; FIDA III; FIDA IV; FIDA V; FIDA VI; FIDA VII; RISP I; RISP II; KfW; for supporting young entrepreneurs and other projects under very favorable interest rate conditions - for planting vineyards / orchards; processing of agricultural raw material; the production of dairy products and agricultural products; seed production, seedlings and growing vegetables in greenhouses; collecting agricultural products; fruit storage and storage services; maintenance and repair of agricultural tech; maintenance and storage of products (cold rooms); resources within the national projects of economic empowerment of young entrepreneurs (PNAET) and other types of activities in all administrative-territorial sectors of the country, in all areas of the national economy, including exports. These financial resources are granted by the Non-bank Loan Organization “MoldCredit” SRL in very advantageous conditions, both as a percentage of the interest rate (at the moment - starting at 7% annually in Moldovan lei) and as a term (from 5 up to 15 years depending on the character of the investment) and the grace period of up to 3 years, and the resources within PNAET are with a 40% grant portion.
Loans for completing the circulating capital
This loan is granted to legal entities or to individual companies, in the short term, in order to supply with circulating capital the business. It is a convenient product for entrepreneurs, to ensure their continuous activity.
Legal entities, individual businesses
Circulating capital for businesses
Up to 500 000 lei
24 months
Varying, based on the credit's amount
According to the individual chart, if necessary (seasonal)
Monthly
130% of the loan's sum
2% off of the loan's sum
Loans for business financing needs
Loans granted to legal entities or to individual companies in the medium term for business financing needs
Legal entities, individual businesses
Circulating capital
Up to 1 000 000 lei
36 months
Varying, based on the loan's amount
According to an individual graph
Monthly
140% of the loan's amount
2% off of the loan's amount
Investment loans for business development
Investment credits for business development, granted to legal or physical entities (individual enterprises, households, etc.);
Legal entities, individual businesses
Business investments
above 1 000 000 lei
60 months
Varying, based on the loan's amount
According to an individual graph
Monthly
150% of the loan's amount
2-3% off of the loan's amount
