Currency exchange directly on your phone without visiting the bank.

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is a member of the Deposit Guarantee Scheme of the Republic of Moldova

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Now you can exchange currency between your card or current accounts via Energbank Mobile from Monday to Friday during business days.

With SMART CURS you get the best online currency exchange rate!

To use SMART CURS, download Energbank Mobile.

Have you ever wondered how you can get a better exchange rate? Energbank offers you the best exchange rate in the country.

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if using our services/products, the result was not what you expected and you faced situations where you were dissatisfied with the quality of the products/services or with the behavior of the personnel involved in the service, send us your complaint by filling out the form.

Thank you in advance!

Dear customer,

Schimb valutar direct la tine în telefon, fără a te deplasa la bancă.

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este membră a Schemei de Garantare a Depozitelor din Republica Moldova

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Acum poți face schimburi valutare între conturile tale de card sau curente prin Energbank Mobile, de luni până vineri în zilele lucrătoare.

Cu SMART CURS beneficiezi de cel mai avantajos schimb valutar online!

Ca să te bucuri de SMART CURS, folosește și tu Energbank Mobile.

Te-ai întrebat cum poți beneficia de cel mai bun curs valutar? Energbank îți oferă cel mai avantajos curs valutar din țară.

Subiect

dacă beneficiind de serviciile/produsele noastre, rezultatul nu a fost cel așteptat și te-ai confruntat cu situații în care ai fost nemulțumit de calitatea produselor/serviciilor sau de comportamentul personalului implicat în deservire, transmite-ne reclamația ta, completând formularul.

Îți mulțumim anticipat!

Dragă client,

Выгодный обменный курс;

Отсутствие ограничений по срокам и суммам;

Обмен валюты прямо на вашем телефоне без посещения банка.

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является членом системы гарантирования вкладов Республики Молдова

Имя

Теперь вы можете обменивать валюту между своими карточными или текущими счетами через Energbank Mobile с понедельника по пятницу в рабочие дни.

С SMART CURS получаете самый выгодный курс обмена валюты онлайн!

Чтобы воспользоваться SMART CURS, скачайте Energbank Mobile.

Задумывались ли вы, как можете получить лучший обменный курс? Energbank предлагает вам лучший обменный курс в стране.

Тема

если при использовании наших услуг/продуктов результат оказался не таким, как вы ожидали, и вы столкнулись с ситуациями, когда вы были недовольны качеством продуктов/услуг или поведением персонала, задействованного в обслуживании, отправьте нам свою жалобу, заполнив форму форма.

Заранее спасибо!

Уважаемый клиент,

#ffffff

<div class="benefits-section">
<h2 class="benefits-heading">Beneficii principale</h2>

<div class="benefits-grid">
<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <rect height="18" rx="2" ry="2" width="18" x="3" y="4"></rect> <line x1="16" x2="16" y1="2" y2="6"></line> <line x1="8" x2="8" y1="2" y2="6"></line> <line x1="3" x2="21" y1="10" y2="10"></line> </svg></div>

<h3 class="benefit-title">Termen</h3>

<p class="benefit-desc">p&acirc;nă la&nbsp;240 luni</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <path d="M12 2a10 10 0 1 0 0 20 10 10 0 0 0 0-20z"></path> <path d="M12 6v6l4 2"></path> </svg></div>

<h3 class="benefit-title">ZERO comision</h3>

<p class="benefit-desc">de acordare, administrare lunară</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <circle cx="12" cy="12" r="10"></circle> <line x1="12" x2="12" y1="8" y2="16"></line> <line x1="8" x2="16" y1="12" y2="12"></line> </svg></div>

<h3 class="benefit-title">P&acirc;nă la 3.000.000 MDL</h3>

<p class="benefit-desc">cu gaj</p>
</div>
</div>
</div>
<style type="text/css">:root {
    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
}

.benefits-section {
    max-width: 1100px;
    width: 100%;
    margin: 32px auto;
    padding: 0 15px;
    box-sizing: border-box;
}

.benefits-heading {
    font-size: 28px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 40px;
    text-align: center;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    width: 100%;
}

.benefit-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 10px;
}

.benefit-icon {
    margin-bottom: 15px;
}

.benefit-title {
    font-size: 20px;
    font-weight: 700;
    color: var(--text);
    margin: 0 0 6px 0;
    line-height: 1.2;
}

.benefit-desc {
    font-size: 15px;
    color: var(--muted);
    margin: 0;
}

@media (max-width: 768px) {
    .benefits-section {
        padding: 0 4px;
        margin: 20px 0 !important;
        width: 100% !important;
    }

    .benefits-heading {
        font-size: 24px;
        margin-bottom: 24px;
    }

    .benefits-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 8px;
    }

    .benefit-card {
        padding: 5px 2px;
    }

    .benefit-icon {
        margin-bottom: 8px;
    }

    .benefit-icon svg {
        width: 32px;
        height: 32px;
    }

    .benefit-title {
        font-size: 14px;
        font-weight: 700;
        white-space: nowrap;
    }

    .benefit-desc {
        font-size: 12px;
        line-height: 1.1;
    }
}

@media (max-width: 360px) {
    .benefit-title {
        font-size: 12px;
    }
    .benefit-desc {
        font-size: 10px;
    }
    .benefit-icon svg {
        width: 28px;
        height: 28px;
    }
}
</style>


<h2 class="benefits-heading">&nbsp;</h2>

<h2 class="benefits-heading">Fă-ți propriile calcule</h2>


<p><span style="color:#ff3a30;"><span style="font-size:16px;">Banca atenționează asupra responsabilității rambursării creditului.</span></span></p>

<p>&nbsp;</p>


<div class="eb-eligibility-section">
<h2 class="eb-eligibility-title">&nbsp;</h2>

<h2 class="eb-eligibility-title">Criterii de eligibilitate</h2>

<div class="eb-eligibility-grid">
<div class="eb-eligibility-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M20 21v-2a4 4 0 0 0-4-4H8a4 4 0 0 0-4 4v2"></path><circle cx="12" cy="7" r="4"></circle></svg></div>

<div class="eb-eligibility-text">Ești persoană fizică, cetățean al <strong>Republicii Moldova</strong></div>
</div>

<div class="eb-eligibility-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><rect height="18" rx="2" ry="2" width="18" x="3" y="4"></rect><line x1="16" x2="16" y1="2" y2="6"></line><line x1="8" x2="8" y1="2" y2="6"></line><line x1="3" x2="21" y1="10" y2="10"></line></svg></div>

<div class="eb-eligibility-text">Ai v&acirc;rsta cuprinsă &icirc;ntre <strong>21 și 70 de ani</strong>&nbsp;la data scadenței creditului</div>
</div>

<div class="eb-eligibility-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><line x1="12" x2="12" y1="1" y2="23"></line><path d="M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"></path></svg></div>

<div class="eb-eligibility-text">Stagiu de muncă ne&icirc;ntrerupt - minim <strong>6 luni</strong></div>
</div>

<div class="eb-eligibility-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><polyline points="22 11.08 20 9 11 18 7 14 9 11.08"></polyline><path d="M21 12.79A9 9 0 1 1 11.21 3"></path></svg></div>

<div class="eb-eligibility-text">Ai o <strong>istorie creditară</strong> pozitivă</div>
</div>

<div class="eb-eligibility-item eb-item-full">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"></path><polyline points="9 22 9 12 15 12 15 22"></polyline></svg></div>

<div class="eb-eligibility-text">Dispui de <strong>venituri confirmate</strong> (salariu, pensie, transferuri internaționale ș.a.)</div>
</div>
</div>
</div>
<style type="text/css">.eb-eligibility-section {
    background: transparent;
    padding: 0;
    max-width: 1000px;
    margin: 40px auto;
}

.eb-eligibility-title {
    font-size: 28px;
    font-weight: 800;
    color: #1a1a1a;
    margin-bottom: 32px;
    text-align: center;
}

.eb-eligibility-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.eb-eligibility-item {
    display: flex;
    align-items: center;
    background: #ffffff;
    padding: 10px;
    border-radius: 16px;
    border: 1px solid #eaeaea;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
}

.eb-icon-wrapper {
    width: 40px;
    height: 40px;
    background: #fff4e5;
    color: #ff9800;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 16px;
    flex-shrink: 0;
}

.eb-icon-wrapper svg {
    width: 20px;
    height: 20px;
}

.eb-eligibility-text {
    font-size: 15px;
    color: #444;
    line-height: 1.45;
}

.eb-eligibility-text strong {
    color: #1a1a1a;
    font-weight: 700;
}

.eb-item-full {
    grid-column: span 2;
}

@media (max-width: 768px) {
    .eb-eligibility-section {
        margin: 20px 0 !important;
        width: 100% !important;
    }
    
    .eb-eligibility-title {
        font-size: 24px;
        margin-bottom: 20px;
    }

    .eb-eligibility-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }
    
    .eb-item-full {
        grid-column: span 1;
    }

    .eb-eligibility-item {
        padding: 12px !important;
    }
}
</style>


<div class="eb-docs-section">
<h2 class="eb-docs-title">Acte necesare</h2>

<div class="eb-docs-grid">
<div class="eb-docs-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><rect height="16" rx="2" width="18" x="3" y="4"></rect><circle cx="9" cy="10" r="2"></circle><line x1="15" x2="19" y1="8" y2="8"></line><line x1="15" x2="19" y1="12" y2="12"></line><line x1="7" x2="17" y1="16" y2="16"></line></svg></div>

<div class="eb-docs-text"><strong>Buletinul de identitate</strong> al cetățeanului RM</div>
</div>

<div class="eb-docs-item">
<div class="eb-icon-wrapper"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"> <path d="M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z"></path> <polyline points="14 2 14 8 20 8"></polyline> <line x1="16" x2="8" y1="13" y2="13"></line> <line x1="16" x2="8" y1="17" y2="17"></line> <line x1="10" x2="8" y1="9" y2="9"></line> </svg></div>

<div class="eb-docs-text"><strong>Raport de evaluare </strong>a bunului imobil efectuat de o instituție indepententă</div>
</div>
</div>
</div>
<style type="text/css">.eb-docs-section {
    background: transparent;
    max-width: 1000px;
    margin: 40px auto;
    padding: 0;
}

.eb-docs-title {
    font-size: 28px;
    font-weight: 700;
    color: #1a1a1a;
    margin-bottom: 32px;
    text-align: center;
}

.eb-docs-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.eb-docs-item {
    display: flex;
    align-items: center;
    background: #ffffff;
    padding: 20px;
    border-radius: 16px;
    border: 1px solid #eaeaea;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
}

.eb-icon-wrapper {
    width: 40px;
    height: 40px;
    background: #fff4e5;
    color: #ff9800;
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 16px;
    flex-shrink: 0;
}

.eb-icon-wrapper svg {
    width: 20px;
    height: 20px;
}

.eb-docs-text {
    font-size: 15px;
    color: #444;
    line-height: 1.45;
}

.eb-docs-text strong {
    color: #1a1a1a;
    font-weight: 700;
}

@media (max-width: 768px) {
    .eb-docs-section {
        margin: 20px 0 !important;
        width: 100% !important;
    }
    
    .eb-docs-title {
        font-size: 24px;
        margin-bottom: 20px;
    }

    .eb-docs-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }
    
    .eb-docs-item {
        padding: 12px;
    }
}
</style>


<div class="eb-calculation-example-section">
<h2 class="eb-section-title">Exemplu de calcul</h2>

<div class="eb-info-box">
<div class="eb-info-icon"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><circle cx="12" cy="12" r="10"></circle><line x1="12" x2="12" y1="16" y2="12"></line><line x1="12" x2="12.01" y1="8" y2="8"></line></svg></div>

<div class="eb-info-content">
<p>Exemplu de calcul pentru un credit &icirc;n sumă de <strong>2.000.000 MDL</strong>, pe un termen de <strong>240 de luni</strong>, rata dob&acirc;nzii fixă p&acirc;nă la 20.01.2027 &icirc;n mărime de <strong>7,50%</strong> anual, comision lunar de administrare creditului 0% de la sold, comision pentru acordarea creditului <strong>0%</strong>, DAE va constitui <strong>7,73%</strong>.</p>

<p>Rata lunară la credit va constitui <strong class="highlight">16.112 MDL</strong>, suma totală spre achitare va fi <strong class="highlight">3.866.852,59 MDL</strong>.</p>

<hr class="eb-divider" />
<p class="eb-small-text">Din 21.01.2027 rata dob&acirc;nzii va fi flotantă fiind compusă din indicele de referință calculat &icirc;n dependență de rata nominală aferentă depozitelor noi atrase, pentru persoanele fizice pe un termen total de la 6 luni p&acirc;nă la 12 luni la care se adaugă marja băncii &icirc;n mărime de 3,42%.</p>
</div>
</div>
</div>
<style type="text/css">.eb-calculation-example-section {
    max-width: 1000px;
    margin: 40px auto;
    padding: 0;
}

.eb-section-title {
    font-size: 28px;
    font-weight: 800;
    color: #1a1a1a;
    margin-bottom: 32px;
    text-align: center;
}

.eb-info-box {
    background-color: #fcfcfc;
    border: 1px solid #e0e0e0;
    border-radius: 16px;
    padding: 30px;
    display: flex;
    gap: 20px;
    align-items: flex-start;
    box-shadow: 0 4px 15px rgba(0,0,0,0.02);
}

.eb-info-icon {
    flex-shrink: 0;
    color: #ff9800;
    background: rgba(255, 152, 0, 0.1);
    width: 32px;
    height: 32px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-top: 2px;
}

.eb-info-icon svg {
    width: 20px;
    height: 20px;
}

.eb-info-content p {
    font-size: 15px;
    line-height: 1.6;
    color: #444;
    margin-bottom: 12px;
    margin-top: 0;
}

.eb-info-content p:last-child {
    margin-bottom: 0;
}

.eb-info-content strong {
    font-weight: 700;
    color: #1a1a1a;
}

.eb-info-content strong.highlight {
    color: #ff9800;
    font-weight: 800;
}

.eb-divider {
    border: 0;
    border-top: 1px solid #eeeeee;
    margin: 15px 0;
}

.eb-small-text {
    font-size: 13px !important;
    color: #666 !important;
    font-style: italic;
}

@media (max-width: 768px) {
    .eb-calculation-example-section {
        margin: 20px 0 !important;
        width: 100% !important;
    }
    
    .eb-section-title {
        font-size: 24px;
        margin-bottom: 20px;
    }

    .eb-info-box {
        padding: 20px;
        flex-direction: column;
        gap: 12px;
    }

    .eb-info-icon {
        width: 28px;
        height: 28px;
    }

    .eb-info-content p {
        font-size: 14px;
    }
}
</style>


<h2 class="eb-section-title">Informații generale</h2>

<div class="eb-details-card">
<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M12 2v20M17 5H9.5a3.5 3.5 0 0 0 0 7h5a3.5 3.5 0 0 1 0 7H6"></path></svg></div>
<span>Suma</span></div>

<div class="eb-detail-value main-highlight">P&acirc;nă la 3.000.000 MDL</div>
</div>

<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><circle cx="12" cy="12" r="10"></circle><path d="M16 8h-6a2 2 0 1 0 0 4h4a2 2 0 1 1 0 4H8"></path><path d="M12 18V6"></path></svg></div>
<span>Moneda</span></div>

<div class="eb-detail-value">MDL</div>
</div>

<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><rect height="18" rx="2" ry="2" width="18" x="3" y="4"></rect><line x1="16" x2="16" y1="2" y2="6"></line><line x1="8" x2="8" y1="2" y2="6"></line><line x1="3" x2="21" y1="10" y2="10"></line></svg></div>
<span>Termen</span></div>

<div class="eb-detail-value">P&acirc;nă la 240 luni</div>
</div>

<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M3 9l9-7 9 7v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2z"></path><polyline points="9 22 9 12 15 12 15 22"></polyline></svg></div>
<span>Destinație</span></div>

<div class="eb-detail-value">Procurarea bunului imobil locativ (dat &icirc;n exploatare) / refinanțare</div>
</div>

<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><line x1="19" x2="5" y1="5" y2="19"></line><circle cx="6.5" cy="6.5" r="2.5"></circle><circle cx="17.5" cy="17.5" r="2.5"></circle></svg></div>
<span>Rata dob&acirc;nzii</span></div>

<div class="eb-detail-value">
<div class="eb-rate-box">
<div class="rate-header"><span class="eb-tag-orange">Salariu Energbank</span></div>

<p>Fixă <strong>7.50%</strong> (DAE 7,73%) <span class="rate-note">*p&acirc;nă la 20.01.2027</span></p>
</div>

<div class="eb-rate-box">
<div class="rate-header"><span class="eb-tag-gray">Standard</span></div>

<p>Fixă <strong>8.00%</strong> (DAE 8,26%) <span class="rate-note">*p&acirc;nă la 20.01.2027</span></p>
</div>
</div>
</div>

<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M21.21 15.89A10 10 0 1 1 8 2.83"></path><path d="M22 12A10 10 0 0 0 12 2v10z"></path></svg></div>
<span>Contribuție</span></div>

<div class="eb-detail-value">Minim <strong>20%</strong> din valoarea imobilului</div>
</div>

<div class="eb-detail-row">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z"></path></svg></div>
<span>Garanție</span></div>

<div class="eb-detail-value">Gaj asupra imobilului achiziționat sau alte bunuri imobile</div>
</div>

<div class="eb-detail-row no-border">
<div class="eb-detail-label">
<div class="eb-icon-small"><svg fill="none" stroke="currentColor" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24"><path d="M12 22s8-4 8-10V5l-8-3-8 3v7c0 6 8 10 8 10z"></path><line x1="12" x2="12" y1="8" y2="16"></line><line x1="8" x2="16" y1="12" y2="12"></line></svg></div>
<span>Asigurare</span></div>

<div class="eb-detail-value">Obligatorie pentru imobilul adus &icirc;n garanție</div>
</div>
</div>
<style type="text/css">.eb-details-card {
    background: #ffffff;
    border-radius: 16px;
    border: 1px solid #eaeaea;
    padding: 20px 24px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
    color: #1a1a1a;
    max-width: 1000px;
    margin: 20px auto;
}

.eb-section-title {
    font-size: 24px;
    font-weight: 800;
    color: #1a1a1a;
    margin-bottom: 20px;
    text-align: center;
}

.eb-detail-row {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    padding: 14px 0;
    border-bottom: 1px solid #f0f0f0;
}

.eb-detail-row.no-border {
    border-bottom: none;
    padding-bottom: 0;
}

.eb-detail-label {
    flex: 0 0 35%;
    display: flex;
    align-items: center;
    font-size: 16px;
    font-weight: 600;
    color: #666;
}

.eb-icon-small {
    width: 28px;
    height: 28px;
    background: #fff4e5;
    color: #ff9800;
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 10px;
    flex-shrink: 0;
}

.eb-icon-small svg {
    width: 16px;
    height: 16px;
}

.eb-detail-value {
    flex: 1;
    font-size: 16px;
    color: #1a1a1a;
    line-height: 1.4;
    font-weight: 500;
}

.main-highlight {
    font-size: 18px;
    font-weight: 800;
    color: #1a1a1a;
}

.eb-rate-box {
    background: #f9fafb;
    border: 1px solid #eee;
    padding: 10px;
    border-radius: 8px;
    margin-bottom: 8px;
}

.eb-rate-box:last-child {
    margin-bottom: 0;
}

.rate-header {
    margin-bottom: 4px;
}

.eb-rate-box p {
    margin: 0;
    font-size: 14px;
}

.eb-rate-box strong {
    color: #1a1a1a;
    font-weight: 800;
}

.rate-note {
    font-size: 12px;
    color: #888;
    display: block;
    margin-top: 2px;
}

.eb-tag-orange, .eb-tag-gray {
    font-size: 10px;
    font-weight: 700;
    padding: 3px 6px;
    border-radius: 4px;
    text-transform: uppercase;
    display: inline-block;
}

.eb-tag-orange { background: #ff9800; color: white; }
.eb-tag-gray { background: #e0e0e0; color: #444; }

@media (max-width: 768px) {
    .eb-details-card {
        padding: 20px 16px;
        margin: 20px 0 !important;
        width: 100% !important;
    }

    .eb-section-title {
        font-size: 22px;
        margin-bottom: 16px;
    }

    .eb-detail-row {
        flex-direction: column;
        padding: 12px 0;
        gap: 6px;
    }

    .eb-detail-label {
        width: 100%;
        margin-bottom: 0;
    }

    .eb-detail-value {
        width: 100%;
        padding-left: 38px;
        font-size: 14px;
    }
    
    .eb-rate-box {
        padding: 8px;
    }
    
    .rate-note {
        display: inline;
        margin-left: 4px;
    }
}
</style>


<div class="benefits-section">
<h2 class="benefits-heading">Beneficii principale</h2>

<div class="benefits-grid">
<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <rect height="18" rx="2" ry="2" width="18" x="3" y="4"></rect> <line x1="16" x2="16" y1="2" y2="6"></line> <line x1="8" x2="8" y1="2" y2="6"></line> <line x1="3" x2="21" y1="10" y2="10"></line> </svg></div>

<h3 class="benefit-title">Termen</h3>

<p class="benefit-desc">p&acirc;nă la&nbsp;240 luni</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="#FF9900" height="40" viewbox="0 0 512 512" width="40" xmlns="http://www.w3.org/2000/svg"> <g> <path d="m256 .836c-141.159 0-256 114.841-256 256 12.87 339.152 499.182 339.06 512-.003 0-141.157-114.841-255.997-256-255.997zm0 482c-124.617 0-226-101.383-226-226 11.362-299.408 440.684-299.326 452 .003 0 124.614-101.383 225.997-226 225.997z"></path> <path d="m256 65.102c-105.722 0-191.733 86.012-191.733 191.733 9.639 254.011 373.866 253.942 383.467-.002-.001-105.719-86.012-191.731-191.734-191.731zm0 353.467c-89.18 0-161.733-72.554-161.733-161.733 8.131-214.267 315.368-214.208 323.467.002-.001 89.177-72.554 161.731-161.734 161.731z"></path> <path d="m199.767 177.569h-8.033c-21.56 0-39.1 17.54-39.1 39.1v80.334c0 21.56 17.54 39.1 39.1 39.1h8.033c21.56 0 39.1-17.54 39.1-39.1v-80.334c0-21.56-17.54-39.1-39.1-39.1zm9.1 119.434c0 5.018-4.083 9.1-9.1 9.1h-8.033c-5.018 0-9.1-4.082-9.1-9.1v-80.334c0-5.018 4.083-9.1 9.1-9.1h8.033c5.018 0 9.1 4.082 9.1 9.1z"></path> <path d="m351.075 179.153c-7.409-3.706-16.419-.701-20.125 6.708l-64.267 128.533c-3.705 7.409-.701 16.42 6.708 20.124 7.375 3.689 16.404.733 20.125-6.708l64.267-128.533c3.705-7.409.701-16.42-6.708-20.124z"></path> <path d="m280.1 215.602c8.284 0 15-6.716 15-15v-8.033c-.738-19.881-29.269-19.866-30 0v8.033c0 8.284 6.716 15 15 15z"></path> <path d="m344.367 298.069c-8.284 0-15 6.716-15 15v8.033c.738 19.881 29.269 19.866 30 0v-8.033c0-8.284-6.716-15-15-15z"></path> </g> </svg></div>

<h3 class="benefit-title">ZERO comision</h3>

<p class="benefit-desc">de acordare, administrare lunară</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <circle cx="12" cy="12" r="10"></circle> <line x1="12" x2="12" y1="8" y2="16"></line> <line x1="8" x2="16" y1="12" y2="12"></line> </svg></div>

<h3 class="benefit-title">P&acirc;nă la 3.000.000 MDL</h3>

<p class="benefit-desc">cu gaj</p>
</div>
</div>
</div>
<style type="text/css">:root {
    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
}

.benefits-section {
    max-width: 1100px;
    width: 100%;
    margin: 32px auto;
    padding: 0 15px;
    box-sizing: border-box;
}

.benefits-heading {
    font-size: 28px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 40px;
    text-align: center;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    width: 100%;
}

.benefit-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 10px;
}

.benefit-icon {
    margin-bottom: 15px;
}

.benefit-title {
    font-size: 20px;
    font-weight: 700;
    color: var(--text);
    margin: 0 0 6px 0;
    line-height: 1.2;
}

.benefit-desc {
    font-size: 15px;
    color: var(--muted);
    margin: 0;
}

@media (max-width: 768px) {
    .benefits-section {
        padding: 0 4px;
        margin: 20px 0 !important;
        width: 100% !important;
    }

    .benefits-heading {
        font-size: 24px;
        margin-bottom: 24px;
    }

    .benefits-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 8px;
    }

    .benefit-card {
        padding: 5px 2px;
    }

    .benefit-icon {
        margin-bottom: 8px;
    }

    .benefit-icon svg {
        width: 32px;
        height: 32px;
    }

    .benefit-title {
        font-size: 14px;
        font-weight: 700;
        white-space: nowrap;
    }

    .benefit-desc {
        font-size: 12px;
        line-height: 1.1;
    }
}

@media (max-width: 360px) {
    .benefit-title {
        font-size: 12px;
    }
    .benefit-desc {
        font-size: 10px;
    }
    .benefit-icon svg {
        width: 28px;
        height: 28px;
    }
}
</style>


<div class="benefits-section">
<h2 class="benefits-heading">Основные преимущества</h2>

<div class="benefits-grid">
<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <rect height="18" rx="2" ry="2" width="18" x="3" y="4"></rect> <line x1="16" x2="16" y1="2" y2="6"></line> <line x1="8" x2="8" y1="2" y2="6"></line> <line x1="3" x2="21" y1="10" y2="10"></line> <path d="M8 14h.01"></path> <path d="M12 14h.01"></path> <path d="M16 14h.01"></path> <path d="M8 18h.01"></path> <path d="M12 18h.01"></path> <path d="M16 18h.01"></path> </svg></div>

<h3 class="benefit-title">Срок</h3>

<p class="benefit-desc">до 240 месяцев</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="#FF9900" height="40" viewbox="0 0 512 512" width="40" xmlns="http://www.w3.org/2000/svg"> <g> <path d="m256 .836c-141.159 0-256 114.841-256 256 12.87 339.152 499.182 339.06 512-.003 0-141.157-114.841-255.997-256-255.997zm0 482c-124.617 0-226-101.383-226-226 11.362-299.408 440.684-299.326 452 .003 0 124.614-101.383 225.997-226 225.997z"></path> <path d="m256 65.102c-105.722 0-191.733 86.012-191.733 191.733 9.639 254.011 373.866 253.942 383.467-.002-.001-105.719-86.012-191.731-191.734-191.731zm0 353.467c-89.18 0-161.733-72.554-161.733-161.733 8.131-214.267 315.368-214.208 323.467.002-.001 89.177-72.554 161.731-161.734 161.731z"></path> <path d="m199.767 177.569h-8.033c-21.56 0-39.1 17.54-39.1 39.1v80.334c0 21.56 17.54 39.1 39.1 39.1h8.033c21.56 0 39.1-17.54 39.1-39.1v-80.334c0-21.56-17.54-39.1-39.1-39.1zm9.1 119.434c0 5.018-4.083 9.1-9.1 9.1h-8.033c-5.018 0-9.1-4.082-9.1-9.1v-80.334c0-5.018 4.083-9.1 9.1-9.1h8.033c5.018 0 9.1 4.082 9.1 9.1z"></path> <path d="m351.075 179.153c-7.409-3.706-16.419-.701-20.125 6.708l-64.267 128.533c-3.705 7.409-.701 16.42 6.708 20.124 7.375 3.689 16.404.733 20.125-6.708l64.267-128.533c3.705-7.409.701-16.42-6.708-20.124z"></path> <path d="m280.1 215.602c8.284 0 15-6.716 15-15v-8.033c-.738-19.881-29.269-19.866-30 0v8.033c0 8.284 6.716 15 15 15z"></path> <path d="m344.367 298.069c-8.284 0-15 6.716-15 15v8.033c.738 19.881 29.269 19.866 30 0v-8.033c0-8.284-6.716-15-15-15z"></path> </g> </svg></div>

<h3 class="benefit-title">0% комиссии</h3>

<p class="benefit-desc">за оформление и ежемесячное обслуживание</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"> <path d="M21 12V7H5a2 2 0 0 1 0-4h14v4"></path> <path d="M3 5v14a2 2 0 0 0 2 2h16v-5"></path> <path d="M18 12a2 2 0 0 0 0 4h4v-4Z"></path> </svg></div>

<h3 class="benefit-title">До 3.000.000 MDL</h3>

<p class="benefit-desc">с залогом</p>
</div>
</div>
</div>
<style type="text/css">:root {
    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
}

.benefits-section {
    max-width: 1100px;
    width: 100%;
    margin: 32px auto;
    padding: 0 15px;
    box-sizing: border-box;
}

.benefits-heading {
    font-size: 28px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 40px;
    text-align: center;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    width: 100%;
}

.benefit-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 10px;
}

.benefit-icon {
    margin-bottom: 15px;
}

.benefit-title {
    font-size: 20px;
    font-weight: 700;
    color: var(--text);
    margin: 0 0 6px 0;
    line-height: 1.2;
}

.benefit-desc {
    font-size: 15px;
    color: var(--muted);
    margin: 0;
}

@media (max-width: 768px) {
    .benefits-section {
        padding: 0 4px;
        margin: 20px 0 !important;
        width: 100% !important;
    }

    .benefits-heading {
        font-size: 24px;
        margin-bottom: 24px;
    }

    .benefits-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 8px;
    }

    .benefit-card {
        padding: 5px 2px;
    }

    .benefit-icon {
        margin-bottom: 8px;
    }

    .benefit-icon svg {
        width: 32px;
        height: 32px;
    }

    .benefit-title {
        font-size: 14px;
        font-weight: 700;
        white-space: nowrap;
    }

    .benefit-desc {
        font-size: 12px;
        line-height: 1.1;
    }
}

@media (max-width: 360px) {
    .benefit-title {
        font-size: 12px;
    }
    .benefit-desc {
        font-size: 10px;
    }
    .benefit-icon svg {
        width: 28px;
        height: 28px;
    }
}
</style>


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