Currency exchange directly on your phone without visiting the bank.

Advantages:

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

Name

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.

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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.

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Мы уважаем вашу конфиденциальность

Мы используем файлы cookies, 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="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 70 de ani</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"> <path d="M22 11.08V12a10 10 0 1 1-5.93-9.14"></path> <polyline points="22 4 12 14.01 9 11.01"></polyline> </svg></div>

<div class="eb-eligibility-text">Ai o <strong>istorie creditară</strong> pozitivă</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="14" rx="2" ry="2" width="20" x="2" y="7"></rect> <path d="M16 21V5a2 2 0 0 0-2-2h-4a2 2 0 0 0-2 2v16"></path> </svg></div>

<div class="eb-eligibility-text">Practici activitate de &icirc;ntreprinzător de cel puțin <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"> <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 un <strong>bun imobil</strong> &icirc;n proprietate pentru sume de peste <strong>200.000 MDL</strong></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: 16px;
    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-icon-wrapper {
    width: 44px;
    height: 44px;
    background: rgba(255, 153, 0, 0.1);
    color: #ff9900;
    border-radius: 10px;
    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;
    margin: 0;
}

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

@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-eligibility-item {
        padding: 16px !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>
</div>
<style type="text/css">.eb-docs-section {
    background: transparent;
    max-width: 100%;
    margin: 40px auto;
    padding: 0;
}

.eb-docs-title {
    font-size: 28px;
    font-weight: 700;
    color: #1a1a1a;
    margin-bottom: 32px;
    text-align: center; /* Dacă vrei ca și titlul să fie la stânga, schimbă 'center' în 'left' */
}

.eb-docs-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr); /* Păstrează structura de 2 coloane, elementul va sta automat la stânga */
    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; /* Pe mobil va ocupa toată lățimea */
        gap: 12px;
    }
    
    .eb-docs-item {
        padding: 12px;
    }
}
</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">
<div style="margin-bottom: 6px;">P&acirc;nă la <strong>300.000 MDL</strong> <span style="font-size: 14px; font-weight: 500; color: #666;">&ndash; fără gaj</span></div>

<div>P&acirc;nă la <strong>500.000 MDL</strong> <span style="font-size: 14px; font-weight: 500; color: #666;">&ndash; cu gaj</span></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"> <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">
<div style="margin-bottom: 6px;">P&acirc;nă la <strong>36 luni</strong> <span style="font-size: 14px; font-weight: 500; color: #666;">pentru completarea mijloacelor circulante</span></div>

<div>P&acirc;nă la <strong>60 luni</strong> <span style="font-size: 14px; font-weight: 500; color: #666;">pentru investiții &icirc;n mijloace fixe</span></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="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">Pentru finanțarea afacerii sau refinanțare</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"> <polyline points="22 7 13.5 15.5 8.5 10.5 2 17"></polyline> <polyline points="16 7 22 7 22 13"></polyline> </svg></div>
<span>Rata dob&acirc;nzii flotantă</span></div>

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

<div class="rate-sub-row"><span><strong>&lt;= 100 000 MDL:</strong></span> <span>Dob&acirc;ndă: <strong>20.57%</strong> | DAE: <strong>22.39%</strong></span></div>

<div class="rate-sub-row"><span><strong>&gt; 100 001 MDL:</strong></span> <span>Dob&acirc;ndă: <strong>18.57%</strong> | DAE: <strong>20.04%</strong></span></div>
</div>

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

<div class="rate-sub-row"><span><strong>&lt;= 100 000 MDL:</strong></span> <span>Dob&acirc;ndă: <strong>21.07%</strong> | DAE: <strong>22.98%</strong></span></div>

<div class="rate-sub-row"><span><strong>&gt; 100 001 MDL:</strong></span> <span>Dob&acirc;ndă: <strong>19.07%</strong> | DAE: <strong>20.63%</strong></span></div>
</div>
</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; /* Am adăugat max-width pentru a nu se întinde ciudat pe ecrane ultrawide */
    margin: 20px auto;
}

.eb-section-title {
    font-size: 28px;
    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: 16px 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: flex-start; /* Aliniere sus pentru cazurile cu mult text in dreapta */
    font-size: 16px;
    font-weight: 600;
    color: #666;
    padding-top: 2px;
}

.eb-icon-small {
    width: 28px;
    height: 28px;
    background: rgba(255, 153, 0, 0.1);
    color: #ff9900;
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-right: 12px;
    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;
    color: #1a1a1a;
}

.eb-rate-box {
    background: #f9fafb;
    border: 1px solid #eee;
    padding: 14px;
    border-radius: 8px;
    margin-bottom: 12px;
}

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

.rate-header {
    margin-bottom: 10px;
}

.rate-sub-row {
    display: flex;
    justify-content: space-between;
    font-size: 14px;
    margin-bottom: 6px;
    border-bottom: 1px dashed #e0e0e0;
    padding-bottom: 6px;
}

.rate-sub-row:last-child {
    margin-bottom: 0;
    border-bottom: none;
    padding-bottom: 0;
}

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

.eb-tag-orange, .eb-tag-gray {
    font-size: 12px;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 4px;
    text-transform: uppercase;
    display: inline-block;
}

.eb-tag-orange { background: #ff9900; 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: 24px;
        margin-bottom: 16px;
    }

    .eb-detail-row {
        flex-direction: column;
        padding: 14px 0;
        gap: 8px;
    }

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

    .eb-detail-value {
        width: 100%;
        padding-left: 0;
        font-size: 14px;
        margin-top: 4px;
    }
    
    .eb-rate-box {
        padding: 12px;
    }

    .rate-sub-row {
        flex-direction: column;
        gap: 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">6-60 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"> <polyline points="22 12 18 12 15 21 9 3 6 12 2 12"></polyline> </svg></div>

<h3 class="benefit-title">Rată flotantă</h3>

<p class="benefit-desc">Grafic sezonier / cu plăți</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"> <rect height="12" rx="2" width="20" x="2" y="6"></rect> <circle cx="12" cy="12" r="2"></circle> </svg></div>

<h3 class="benefit-title">P&acirc;nă la 300.000 MDL</h3>

<p class="benefit-desc">fără 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: normal; /* Modificat pentru a permite textului să treacă pe rândul următor */
    }

    .benefit-desc {
        font-size: 12px;
        line-height: 1.2;
    }
}

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


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

<div class="eb-info-box">
<h3 class="eb-product-title">Exemplu 1</h3>

<div class="eb-info-box-body">
<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>100.000 MDL</strong>, pe un termen de <strong>60 de luni</strong>, rata dob&acirc;nzii flotantă &icirc;n mărime de <strong>20,57% anual</strong>, comision lunar de administrare 0%, comision acordare 0%, DAE va constitui <strong>22,39%</strong>.</p>

<p>Rata lunară la credit va constitui <strong class="highlight">2.681 MDL</strong>, suma totală spre achitare va fi <strong class="highlight">160.672,15 MDL</strong>.</p>

<div class="eb-info-note">
<p>Rata dob&acirc;nzii flotantă este compusă din indicele de referință calculat de Banca Națională a Moldovei &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 <strong>14,90%</strong>.</p>
</div>
</div>
</div>
</div>

<div class="eb-info-box">
<h3 class="eb-product-title">Exemplu 2</h3>

<div class="eb-info-box-body">
<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>150.000 MDL</strong>, pe un termen de <strong>60 de luni</strong>, rata dob&acirc;nzii flotantă &icirc;n mărime de <strong>21,07% anual</strong>, comision lunar de administrare 0%, comision acordare 0%, DAE va constitui <strong>22,98%</strong>.</p>

<p>Rata lunară la credit va constitui <strong class="highlight">2.709 MDL</strong>, suma totală spre achitare va fi <strong class="highlight">162.349,47 MDL</strong>.</p>

<div class="eb-info-note">
<p>Rata dob&acirc;nzii flotantă este compusă din indicele de referință calculat de Banca Națională a Moldovei &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 <strong>15,40%</strong>.</p>
</div>
</div>
</div>
</div>

<div class="eb-info-box">
<h3 class="eb-product-title">Exemplu 3</h3>

<div class="eb-info-box-body">
<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>100.000 MDL</strong>, pe un termen de <strong>60 de luni</strong>, rata dob&acirc;nzii flotantă &icirc;n mărime de <strong>18,57% anual</strong>, comision lunar de administrare 0%, comision acordare 0%, DAE va constitui <strong>19,94%</strong>.</p>

<p>Rata lunară la credit va constitui <strong class="highlight">3.856 MDL</strong>, suma totală spre achitare va fi <strong class="highlight">231.072,53 MDL</strong>.</p>

<div class="eb-info-note">
<p>Rata dob&acirc;nzii flotantă este compusă din indicele de referință calculat de Banca Națională a Moldovei &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 <strong>12,90%</strong>.</p>
</div>
</div>
</div>
</div>

<div class="eb-info-box">
<h3 class="eb-product-title">Exemplu 4</h3>

<div class="eb-info-box-body">
<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>150.000 MDL</strong>, pe un termen de <strong>60 de luni</strong>, rata dob&acirc;nzii flotantă &icirc;n mărime de <strong>19,07% anual</strong>, comision lunar de administrare 0%, comision acordare 0%, DAE va constitui <strong>20,63%</strong>.</p>

<p>Rata lunară la credit va constitui <strong class="highlight">3.897 MDL</strong>, suma totală spre achitare va fi <strong class="highlight">233.536,79 MDL</strong>.</p>

<div class="eb-info-note">
<p>Rata dob&acirc;nzii flotantă este compusă din indicele de referință calculat de Banca Națională a Moldovei &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 <strong>13,40%</strong>.</p>
</div>
</div>
</div>
</div>
</div>
<style type="text/css">.eb-calculation-example-section {
    max-width: 1000px;
    margin: 40px auto;
    padding: 0;
    display: flex;
    flex-direction: column;
    gap: 32px;
}

.eb-section-title {
    font-size: 28px;
    font-weight: 800;
    color: #1a1a1a;
    margin-bottom: 8px;
    text-align: center;
}

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

.eb-product-title {
    font-size: 20px;
    font-weight: 700;
    color: #1a1a1a;
    margin: 0;
    padding-left: 10px;
    border-left: 4px solid #ff9900;
}

.eb-info-box-body {
    display: flex;
    gap: 20px;
    align-items: flex-start;
}

.eb-info-icon {
    flex-shrink: 0;
    color: #ff9900;
    background: rgba(255, 153, 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-note {
    background: #ffffff;
    border-left: 3px solid #e0e0e0;
    padding: 12px 16px;
    margin-top: 16px;
    border-radius: 0 8px 8px 0;
}

.eb-info-note p {
    font-size: 14px;
    color: #666;
    margin: 0;
}

.eb-info-note strong {
    color: #444;
}

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

.eb-info-content strong.highlight {
    color: #ff9900;
    font-weight: 800;
}

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

    .eb-info-box {
        padding: 20px;
        gap: 16px;
    }

    .eb-product-title {
        font-size: 18px;
    }

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

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

    .eb-info-content p {
        font-size: 14px;
    }
    
    .eb-info-note {
        padding: 10px 12px;
        margin-top: 12px;
    }
    
    .eb-info-note p {
        font-size: 13px;
    }
}
</style>


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

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


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

<p>&nbsp;</p>


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