Currency exchange directly on your phone without visiting the bank.

Advantages:

Send us your suggestions / notifications / opinions about the service experience, using products and/or benefiting from Energbank services.

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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.

Subject

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.

Avantaje:

Transmite-ne sugestiile / sesizările / părerile despre experiența de deservire, de utilizare a produselor și/sau de beneficierea de serviciile Energbank.

Utilizăm cookie-uri pentru oferi vizitatorilor o mai bună navigare online, pentru a personaliza conținutul, pentru a analiza traficul și pentru a livra toate funcționalitățile site-ului nostru.

Experiența ta este importantă pentru noi.

este membră a Schemei de Garantare a Depozitelor din Republica Moldova

Nume

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.

Преимущества:

Присылайте нам свои предложения/уведомления/мнения об опыте обслуживания, использовании продуктов и/или преимуществах услуг Energbank.

Мы используем файлы cookie, чтобы предоставить посетителям лучший опыт работы в Интернете, персонализировать контент, анализировать трафик и обеспечить все функциональные возможности нашего веб-сайта.

Ваш опыт важен для нас.

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="#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"> <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">P&acirc;nă la 2.000.000 MDL</h3>

<p class="benefit-desc">plafonul</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">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 360&nbsp;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">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"> <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">P&acirc;nă la 2.500.000 MDL</h3>

<p class="benefit-desc">plafonul</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">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 50 de ani</strong> 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"><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">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"><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">Dispui de <strong>venituri confirmate</strong> (salariu, pensie, transferuri internaționale ș.a.)</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"><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>

<div class="eb-eligibility-text">Rata lunară a creditului să nu depășească <strong>70%</strong> din venitul lunar al familiei</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 și fără restanțe curente</div>
</div>
</div>
</div>
<style type="text/css">.eb-eligibility-section {
    background: transparent;
    padding: 0;
    max-width: 1000px;
    margin: 40px auto;
    font-family: 'Inter', sans-serif; /* Asigură fontul */
}

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

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

.eb-eligibility-item {
    display: flex;
    align-items: center;
    background: #ffffff;
    padding: 16px; /* Putin mai mult spatiu */
    border-radius: 16px;
    border: 1px solid #eaeaea;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.eb-eligibility-item:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.06);
    border-color: #ff9900;
}

.eb-icon-wrapper {
    width: 44px; /* Putin mai mare pentru vizibilitate */
    height: 44px;
    background: #fff4e5;
    color: #ff9900; /* Culoarea ta principala */
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 16px;
    flex-shrink: 0;
}

.eb-icon-wrapper svg {
    width: 22px;
    height: 22px;
}

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

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

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

    /* Pe mobil devine o singură coloană */
    .eb-eligibility-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }
    
    .eb-eligibility-item {
        padding: 12px !important;
    }
}
</style>


<div class="eb-eligibility-section">
<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 50 de ani</strong> 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"><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">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"><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">Dispui de <strong>venituri confirmate</strong> (salariu, pensie, transferuri internaționale ș.a.)</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"><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>

<div class="eb-eligibility-text">Rata lunară a creditului să nu depășească <strong>70%</strong> din venitul lunar al familiei</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> <strong>pozitivă</strong></div>
</div>
</div>
</div>
<style type="text/css">.eb-eligibility-section {
    background: transparent;
    padding: 0;
    max-width: 1000px;
    margin: 40px auto;
    font-family: 'Inter', sans-serif; /* Asigură fontul */
}

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

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

.eb-eligibility-item {
    display: flex;
    align-items: center;
    background: #ffffff;
    padding: 16px; /* Putin mai mult spatiu */
    border-radius: 16px;
    border: 1px solid #eaeaea;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
    transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.eb-eligibility-item:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(0, 0, 0, 0.06);
    border-color: #ff9900;
}

.eb-icon-wrapper {
    width: 44px; /* Putin mai mare pentru vizibilitate */
    height: 44px;
    background: #fff4e5;
    color: #ff9900; /* Culoarea ta principala */
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 16px;
    flex-shrink: 0;
}

.eb-icon-wrapper svg {
    width: 22px;
    height: 22px;
}

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

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

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

    /* Pe mobil devine o singură coloană */
    .eb-eligibility-grid {
        grid-template-columns: 1fr;
        gap: 12px;
    }
    
    .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>Buletin&nbsp;</strong>de identitate</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>600.000 MDL</strong>, pe un termen de <strong>84 de luni</strong>, rata flotantă de <strong>11,00%</strong> anual, comision lunar de administrare creditului <strong>0%</strong> de la sold, comision pentru acordarea creditului <strong>0%</strong>, DAE va constitui <strong>11,50%</strong></p>

<p>Rata lunara la credit va constitui <strong class="highlight">10.273 MDL</strong>, suma totala spre achitare va fi <strong class="highlight">863.071,68 MDL</strong>.</p>

<hr class="eb-divider" />
<p class="eb-small-text">Rata dob&acirc;nzii flotantă este 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&icirc;nă la 12 luni, care pentru luna mai constituie 5,58% + marja băncii 5,42%.</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>


<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>2.500.000 MDL</strong>, pe un termen de <strong>360 de luni</strong>, rata dob&acirc;nzii anuale constituie <strong>6,46%</strong> flotantă, comision pentru acoperirea costurilor juridice <strong>1%</strong> din suma creditului; comision pentru Garantia de Stat <strong>0,4%</strong> anual din soldul garantiei de stat; Garanția de Stat <strong>50 %</strong> - rata lunara constituie <strong class="highlight">16.066 MDL</strong>.</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 2.000.000 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">Flotantă 11,00%, DAE 11,50%</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 asupra unor bunuri imobile, aflate &icirc;n proprietatea solicitantului</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, cesionată &icirc;n favoarea băncii</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>


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