LETTER OF GUARANTEE

  • For investment loans for a period of 10 years, please contact us

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    • * The monthly rate is made up of principal and interest and was calculated with an interest rate of 2.5%/month.
    • The interest rate and repayment method are negotiable.
    • The present information is indicative and has NO contractual value.

    For a personal loan with real estate guarantee in the amount of 10,000 lei for a period of 12 months, you have a fixed interest rate – 30% per year, monthly rate – 9774.87 lei, APR 34.62%, and the total amount to be paid is 11,698.44 lei.

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    WHAT IS THE LETTER OF GUARANTEE?

    The letter of guarantee is the irrevocable and unconditional commitment by which a natural or legal person, called the issuer (EASY CREDIT 4 ALL IFN S.A.), undertakes, at the request of a natural or legal person called the orderer (the requester of the letter of guarantee), in consideration of a report pre-existing obligation, but independent of it, to pay a sum of money to a third natural or legal person, called the beneficiary (various natural/legal persons/institutions), in accordance with the terms of the assumed commitment.

    The issuer (EASY CREDIT 4 ALL IFN S.A.) assures the beneficiary (various natural/legal persons/institutions) of fulfilling the payment obligations of the orderer (the applicant of the guarantee letter) according to the basic contract concluded.

    The letter of guarantee offers you a series of advantages, regardless of its object, being a means of guaranteeing some transactions concluded between the parties (orderer and beneficiary) for which:

    – there are no available funds from the ordering party (the applicant of the guarantee letter) in order to block it in a bank account at the disposal of the beneficiary (various natural/legal persons/institutions).

    – the beneficiary (various individuals/legal entities/institutions) receives the guarantee of honoring the obligations from the basic contract in the case.

    WHAT TYPES OF GUARANTEE LETTERS DO WE OFFER?

    Va punem la dispozitie o gama variata de scrisori de garantie ce pot fi personalizate in functie de solicitarea dumneavoastra.

    • Payment guarantee letter:
    • Letter of guarantee for the staggered payment of fiscal obligations;
    • Scrisoare de garantie pentru ridicarea masurilor asiguratorii;
    • Letter of guarantee for lifting insurance measures;
    • Letter of rent payment guarantee;
    • Letter of guarantee for the refund of the advance;
    • Letter of guarantee for the amounts withheld;
    • Letter of guarantee for the co-financing of European projects;
    • Letter of guarantee for execution;
    • Letter of guarantee for maintenance;
    • Letter of guarantee for participation in auctions;
    • Letter of guarantee to confirm financial availability (cash-flow);
    • Letter of guarantee for obtaining authorizations / licenses;

      Other types of guarantee letters depending on the request

    WHAT ARE THE ADVANTAGES OF THE LETTER OF GUARANTEE WITH EASY CREDIT 4 ALL IFN S.A. AS ISSUER?

    Aprobare financiara rapida in 48 de ore;
    Adaptare scrisoare de garatie in functie de solicitare (scrisoare de garantie personalizata);
    Emitere scrisoare de garantie in 5 zile lucrătoare (termenul este ferm doar in cazul dosarelor declarate complete de catre EASY CREDIT 4 ALL IFN S.A.)

    WHAT DOCUMENTS ARE REQUIRED?

    • The last two annual accounting balances, approved by the authorized institutions and the last verification balance concluded by the company (orderer/applicant of the letter of guarantee), but no older than two months;
    • Documents showing the necessity of issuing the letter of guarantee, the beneficiary, its value and its validity period;
      Verification certificate, with a maximum of 30 days;
    • The legal documents of establishment and the registration certificate;
    • The decision of the AGM approving the conditions for issuing the letter of guarantee/the guarantees necessary for issuing the letter of guarantee;
    • Special notarial power of attorney for signing the contract (if the contract is not signed by the administrator/administrators of the requesting company);
    • Identity card/electronic identity card/provisional identity card/identity card for the administrators/associates of the applicant company, as well as for the guarantor/guarantors;
    • The documents certifying the civil status (marriage certificate, death certificate, divorce decree, divorce certificate, etc.) for the administrators/associates of the applicant company, as well as for the guarantor/guarantors;
    • The property title on the basis of which the guarantor acquired the title of owner (sale purchase contract, heir certificate, donation contract, building permit and report on the completion of the works, etc.);
    • Completing the tabulation of the property right;
    • The cadastral documentation, respectively the survey, the technical sheet of the building, the sheet of the property approved by the Office of Cadastre and Real Estate Advertising;
    • Urban planning certificate certifying that the land is free of constructions and the destination of the land;
    • Information/authentication land book extract;
    • Fiscal attestation certificate;
    • Compulsory and optional insurance policies assigned in favor of Easy Credit 4 ALL IFN SA;
    • Any other documents requested by Easy Credit 4 ALL IFN SA in order to issue and guarantee the letter of guarantee (association certificate, income documents, addresses, etc.).

    WHAT ARE THE COSTS OF ISSUE AND ADMINISTRATION OF THE LETTER OF GUARANTEE?

    EASY CREDIT 4 ALL IFN S.A. charges the lowest commissions for issuing and administering letters of guarantee, costs that will be personalized depending on the value of the requests, the validity period of the letters of guarantee and the way of paying the issuing and administering commissions.

    The method of payment of the issuance and administration commissions for the letters of guarantee will be agreed upon by the issuer (EASY CREDIT 4 ALL IFN S.A.) together with the requester of the letter of guarantee.

    WHAT ARE THE GUARANTEES YOU NEED?

    1. Cash collateral OR

    2. First-class real estate mortgage, on properties of the following type:

    – apartments;

    – constructions;

    -lands located within the city or outside the city;

    -commercial or industrial premises; OR

    3. Other guarantees;

    Frequent questions

    Useful information for natural person consumers about Acceptance of consumer credit with real estate guarantee

    You can borrow amounts between 7,000 and 1,000,000 lei, mainly depending on your repayment capacity (being in the maximum degree of indebtedness) and the valuation of the property proposed as collateral.

    Loans with a real estate guarantee are offered to people who cumulatively meet the following criteria:

    – Minimum age 18 years

    – The applicant/co-debtor provides proof of obtaining eligible incomes, which shows the ability to repay the loan and related payment obligations;

    – Present a building to guarantee the loan (property of the applicant or another person who will have the capacity of guarantor);

    Yes, we offer flexible credit solutions for people registered in the Credit Bureau.

    After you have sent the request, the initial approval is received in 48 hours, depending on the number of requests and the documents provided.

    Yes. If you have several loans for personal needs and their management is difficult or you want to get an additional amount of money by refinancing active loans.

    You just have to fill out the contact form and we will call you as soon as possible.

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    Information

    See our section with frequently asked questions or write to us at contact@easycredit.ro

    Easy Credit provides its customers with advantageous, fast and flexible credit services, easy to obtain both for individuals and legal entities.
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