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Land loans

Advantageous costs

Grace period

Rapidity

Characteristics

Beneficiaries:

- Farmers organized as legal persons who are registered in the books of APIA land in mining (owned or leased) and intends to purchase in areas leased previously (worked / operated under lease) so that the total area of the property does not exceed 1000 Ha
- The criteria OUG 43/2013

Loan: acquisition of farmland subsequent exploitation
Loan amount: maximum 90% of the acquired areas (excluding VAT)
Currency: RON
Granting period: credit is provided on the medium and long term
Grace period: 12 months
Guarantees: flexible structure guarantees

General eligibility criteria

  1. Financial performance category A, B or C, as determined under the internal rules
  2. Note Default or debt service under interrogation in the Central Credit Risk in the last 12 months in relation to the date of application analysis
  3. According to existing Incident Payments have registered more than 6 major payment incidents in the last 6 months from the date of loan application is not in banking prohibition
  4. Not registered Insolvency Bulletin, a publication edited by the National Trade Register Office, as debtor
  5. The Bank has not received on credit analysis injunction blocking the attachment of accounts in domestic and / or foreign currency
* The above criteria are not limiting