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Benefit for personal loans without collateral

Benefit for personal loans without collateral

I. Offer duration:

The offer is valid starting from 20.09.2023 for all personal loans without contracted collateral, which will have an additional benefit of 3 months of grace from the payment of installments.

II. Offer features:

3 months of grace , anytime during the first 3 years of using the credit (the grace period can be applied starting with the first installment).

III. Conditions for awarding the offer:

  • It is addressed to natural persons, who may be existing or non-customers of GARANțI BANK SA and who request a new loan for personal needs without collateral, starting from 20.09.2023;
  • The 3-month grace period is valid for all types of credit for personal needs without real collateral contracted starting from 20.09.2023, including refinancing, regardless of the type of interest or the campaigns in force during the period mentioned above ;
  • Grace period can be implemented by signing an addendum to the credit agreement and a new repayment schedule ;
  • Grace period can be granted at any time during the first three years from the date of use of the credit and can consist of a single period of three months or fractions of one month, but without exceeding a period of 3 months . The grace period can be applied starting with the first installment ;
  • The grace period can only be granted if, at the time of the request, the customer does not register arrears. After paying the arrears, the customer can make a new request for grace only if the 3-year term from the use of the credit has not been exceeded;
  • Interest calculated for the grace period, principal and commissions will be added to the credit balance, which will be redistributed over the remaining period, after the end of the grace period;
  • The monthly credit management fee is not calculated or capitalized during the grace period, it will not be paid by the client during the requested grace period;
  • Regardless of the duration of the granted grace period , the loan repayment period remains the initial one.

IV. Acceptance of offer:

At any time during the development period, the offer may be terminated before the signing of the credit agreement, based on the decision of GARANțI BANK SA or in case of force majeure. In the event of the occurrence of any of these cases, GARANțI BANK SA will transmit the information regarding the termination of the offer on the official website „www.garantibbva.ro”, in the “Campaigns” section, as soon as possible.

The offer was considered to be accepted at the time of signing the documents certifying the intention to contract the loan.

For details regarding the processing of your personal data, please consult the Bank’s website at www.garantibbva.ro, section “Personal data processing” or you can request them in any of the Bank’s Agencies; in case you need more details

in connection with the processing of your personal data, you can also contact us at the e-mail address dpo@garantibbva.ro..

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All of the domestic and international market tables and graphs appearing on the www.garantibbva.ro website have been obtained from outside parties that provide services on such matters and have been prepared for the purpose of providing information in a general sense without any benefit being derived from them by Garanti BBVA. The validity of the tables or graphics appearing on our website is in no way guaranteed by Garanti BBVA and this information is not being provided for the purpose of securing any particular gain.

For this reason, Garanti BBVA cannot be held responsible for any direct or indirect material or moral losses or expenses that may arise on account of errors or deficiencies in the information contained in these tables and graphs or on account of transactions based on this information, or on account of any losses or expenses that outside parties may occur in any way whatsoever.

The communications/messages in electronic format do not include the essential elements to conclude a valid contract; do not represent an offer to conclude a contract or a binding intention for granting a financing facility, another product or for providing a service. The recipient’s acceptance of the terms and conditions available in electronic mail shall not be considered as a valid conclusion of a contract.

For the valid conclusion of a contract it is necessary to determine all essential elements by the competent approval authority of the bank and the written form of the contract signed by the parties involved.