| No. |
OPERATION TYPE |
Commission |
Notes |
| 4.1. |
Reviewing credit application |
100 lei |
Shall be paid on the day of submission of the full set of documents required for proper assessment of credit application |
| 4.2. |
Preparation of the loan agreement |
100 lei |
Shall be paid on the day of signing the loan agreement |
| 4.3. |
Preparation of the pledge agreement |
150 lei |
Shall be paid on the day of signing the pledge agreement |
| 4.4. |
Preparation of the letter of guarantee |
200 lei |
Shall be paid on the day of issuance of guarantees |
| 4.5. |
Preparation of supplementary agreement to the loan agreement |
50 lei |
Shall be paid on a day of signing of additional agreement to the Loan Agreement (except changes of interest rate subject to conditions of the agreement in force by the Bank initiative) |
| 4.6. |
Preparation of the supplementary agreement to the pledge agreement |
50 lei |
Shall be paid on the day of signing the supplementary agreement to the pledge agreement |
| 4.7. |
Commission for granting the loan |
Up to 2% |
à) Shall be calculated based on the amount of loan approved and is paid when first disbursement of the loan
b) Shall be calculated based on the amount of tranche and is paid at the first day of tranche withdrawal |
| 4.8. |
Commission for reserving credit resources (in annual %) :
• in lei
• in foreign currency |
8%
5% |
For credit line:
Shall be calculated for the maximal limit of the undisbursed loan, established in the loan agreement. It is paid monthly, the calculation and payment are made according to the order established for interests.
For loan:
In the case of releasing the total amount of loan in one tranche, the commission shall be calculated for the undisbursed loan, starting with the next loan agreement day up to the date of using the total loan amount by client or up to the loan withdrawal date, established in the loan agreement. Commission is paid in the day of making the first payment of interest.
In the case of releasing loan in many tranches, commission shall be calculated for the undisbursed loan, starting with the next loan agreement day up to the date of using by client the loan tranche, or up to the loan withdrawal date, established in the loan agreement, according to the tranches withdrawal graphic. Commission is paid monthly, the calculation and payment are made according to the order established for interests. |
| 4.9. |
Commission for prolongation of the loan agreement. |
2% |
Based on the amount of prolonged loan |
| 4.10 |
Commission for undisbursed loan
(% from the undisbursed loan amount) |
1% |
Shall be calculated from the undisbursed loan amount in the case of not withdrawing loan in the terms, established in the loan agreement.
Commission is paid by client on the date of total or partial loan’s resign or when expires loan withdrawal date. |
| |
Fines and penalties |
|
|
| 4.11. |
Improper use of the loan in the event of luck of Bank’s consent. |
10% |
Shall be paid based on the amount of improperly utilized loan |
| 4.12 |
Increasing of loan interest rate as result of reduction of amount of entries on debtor’s accounts versus the amount stipulated by the loan agreement |
by 1/3 |
Increase of the loan interest rate |
| 4.13 |
Failure to submit required documents and financial statements within the timeframe stipulated by the loan agreement. |
100 lei |
Shall be paid for each day of delay of the schedule stipulated by the loan agreement |
| 4.14 |
Failure to submit the collateral in forms and terms stipulated by the loan agreement. |
300 lei |
Shall be paid for each day of delay of the schedule stipulated by the loan agreement |
| 4.15 |
Failure to honor the terms of loan agreement, meaning Bank’s written notification on following:
- opening any accounts with other financial institutions;
- conclusion of loan agreements with other banks;
- undertaking of certain steps targeted at reorganizing, or liquidation of the company, changing its business area of emphasis, or structure of owners, replacing key managerial staff, or Chief accountant;
- entering into any agreements with third persons, which contradict present Agreement, as well as making partnerships and share holdings in profit distribution, or concluding any privileged agreements under which Borrower’s potential revenue or profit is shared with some other persons;
- granting loans to other legal entities and individuals, performing as a guarantor or trustee for other persons;
- ceding to other legal entities and individuals the proceeds from distributed products or services rendered . |
from 300 toî 500 lei |
Shall be paid for each breach of the Agreement |
| 4.16 |
Penalty for delayed payment of interest |
0,15 % |
Shall be calculated based on the amount of delayed interest payments, paid for each calendar day |
| 4.17 |
Increase of the loan interest rate due to failure to honor obligations on credit repayment within the schedule and terms stipulated by loan agreement. |
by 1/3 |
An increased interest rate on loan utilization is applied on the amount of delayed payment from the due date until the date of full repayment |
