{"id":575,"date":"2026-04-03T10:02:54","date_gmt":"2026-04-03T10:02:54","guid":{"rendered":"https:\/\/gincredit.md\/?page_id=575"},"modified":"2026-04-07T09:50:05","modified_gmt":"2026-04-07T09:50:05","slug":"regulamentul-cu-privire-la-prestarea-serviciului-si-bonitatii","status":"publish","type":"page","link":"https:\/\/gincredit.md\/ru\/regulamentul-cu-privire-la-prestarea-serviciului-si-bonitatii\/","title":{"rendered":"Regulamentul cu privire la Prestarea Serviciului si Bonitatii"},"content":{"rendered":"

R E G<\/b><\/strong>\u00a0<\/b><\/strong>U<\/b><\/strong>\u00a0<\/b><\/strong>L<\/b><\/strong>\u00a0<\/b><\/strong>A<\/b><\/strong>\u00a0<\/b><\/strong>M<\/b><\/strong>\u00a0<\/b><\/strong>E<\/b><\/strong>\u00a0<\/b><\/strong>N<\/b><\/strong>\u00a0<\/b><\/strong>T <\/b><\/strong><\/p>\n

cu privire la presta<\/b><\/strong>rea serviciilor in<\/b><\/strong>\u00a0<\/b><\/strong>cadrul<\/b><\/strong><\/p>\n

OCN \u201eAXIOMA CREDIT\u201d<\/b><\/strong>\u00a0<\/b><\/strong>SRL<\/b><\/strong><\/p>\n

 <\/p>\n

Capitolul I. Prevederi Generale<\/b><\/strong><\/p>\n

    \n
  1. <\/b>Prezentul Regulament con\u021bine reguli care sunt elaborate ca parte a procesului intern privind prestarea serviciilor de creditare nebancara si se refera la costul serviciului, modul de calcul a ratei dob\u00e2nzilor si\/sau penalit\u0103\u021bilor, precum si bonit\u0103\u021bii beneficiarului, modalit\u0103\u021bii de garantare de c\u0103tre beneficiar a ramburs\u0103rii la scaden\u021b\u0103 a creditului.<\/li>\n<\/ol>\n

     <\/p>\n

      \n
    1. Regulamentul este elaborat \u00een conformitat<\/b><\/strong>e cu:<\/b><\/strong><\/li>\n<\/ol>\n

      Legea nr.1 din\u00a016.03.2018 cu privire la organiza\u021biile de creditare nebancar\u0103;<\/p>\n

      Legea nr.202 din\u00a012.07.2013 privind contractele de credit pentru consumatori;<\/p>\n

      Legea nr.\u00a0133\/2011 privind protec\u021bia datelor cu caracter personal;<\/p>\n

      Legea nr. 308\/2017 privind prevenirea sp\u0103l\u0103rii banilor,\u00a0precum\u00a0\u0219i:<\/p>\n

      Regulamentul CNPF nr. 20\/5\/2022 privind creditarea responsabil\u0103<\/p>\n

      Regulamentul privind dezv\u0103luirea informa\u021biei privind serviciile financiare\u00a0Regulamente AML\/CFT aplicabile OCN<\/p>\n

      alte acte legislative \u0219i normative ale RM care reglementeaz\u0103\u00a0activitatea\u00a0de\u00a0creditare nebancar\u0103\u00a0.<\/p>\n

       <\/p>\n

        \n
      1. Regulamentul are ca <\/b><\/strong><\/b>scop:<\/b><\/strong><\/li>\n<\/ol>\n

        . \u00a0\u00a0\u00a0\u00a0asigurarea\u00a0unui\u00a0proces\u00a0de\u00a0creditare\u00a0prudent\u00a0\u0219i\u00a0responsabil;<\/p>\n

        . \u00a0\u00a0\u00a0\u00a0prevenirea\u00a0supra\u00eendator\u0103rii\u00a0consumatorilor;<\/p>\n

        . \u00a0\u00a0\u00a0\u00a0asigurarea\u00a0gestion\u0103rii\u00a0adecvate\u00a0a\u00a0riscurilor;<\/p>\n

        . \u00a0\u00a0\u00a0\u00a0protejarea\u00a0drepturilor\u00a0consumatorilor;<\/p>\n

        . \u00a0\u00a0\u00a0\u00a0respectarea\u00a0cadrului\u00a0legal\u00a0\u0219i\u00a0normativ\u00a0aplicabil.<\/p>\n

         <\/p>\n

          \n
        1. Principiile credit\u0103rii resp<\/b><\/strong>onsabile<\/b><\/strong><\/li>\n<\/ol>\n

          OCN Axioma Credit acord\u0103 credite doar dup\u0103 evaluarea bonit\u0103\u021bii clientului \u0219i confirmarea capacit\u0103\u021bii de rambursare, \u00een conformitate cu principiile credit\u0103rii responsabile. Procesul de creditare este organizat pe baza principiului separ\u0103rii func\u021biilor,\u00a0astfel\u00a0\u00eenc\u00e2t:<\/p>\n

          . \u00a0\u00a0\u00a0\u00a0analiza creditului s\u0103 fie\u00a0separat\u0103\u00a0de\u00a0func\u021bia\u00a0de\u00a0aprobare;<\/p>\n

          . \u00a0\u00a0\u00a0\u00a0aprobarea excep\u021biilor s\u0103 fie realizat\u0103\u00a0la nivel\u00a0colegial;<\/p>\n

          . \u00a0\u00a0\u00a0\u00a0controlul\u00a0final\u00a0s\u0103 fie\u00a0realizat\u00a0la\u00a0nivel\u00a0managerial\u00a0superior;<\/p>\n

          . \u00a0\u00a0\u00a0\u00a0riscul de fraud\u0103, eroare sau\u00a0conflict\u00a0de interese\u00a0s\u0103\u00a0fie\u00a0minimizat.<\/p>\n

          Fiecare \u00a0func\u021bie \u00a0implicat\u0103 \u00a0\u00een \u00a0procesul\u00a0\u00a0de\u00a0\u00a0creditare\u00a0\u00a0are\u00a0\u00a0atribu\u021bii\u00a0\u00a0clar\u00a0\u00a0definite,\u00a0\u00a0conform\u00a0\u00a0prezentului\u00a0Regulament.<\/p>\n

           <\/p>\n

            \n
          1. Termenii \u0219i expresiile utilizate \u00een prezentul <\/b><\/strong>Regulament:<\/b><\/strong><\/li>\n<\/ol>\n

            Solicitant <\/b><\/strong>\u2013 persoan\u0103 fizic\u0103 sau\u00a0juridic\u0103 care a depus o cerere de credit\u00a0sau solicit\u0103 un\u00a0serviciu\u00a0financiar.\u00a0Cerere de credit <\/b><\/strong>\u2013 solicitare formal\u0103 depus\u0103\u00a0de\u00a0client pentru\u00a0acordarea unui\u00a0credit.<\/p>\n

            Credit <\/b><\/strong>\u2013 sum\u0103 de bani acordat\u0103 clientului, care urmeaz\u0103 s\u0103 fie rambursat\u0103 conform contractului, inclusiv\u00a0dob\u00e2nda \u0219i\u00a0alte\u00a0costuri.<\/p>\n

            Contract de credit <\/b><\/strong>\u2013 acord scris \u00eentre OCN\u00a0\u0219i\u00a0client\u00a0care\u00a0stabile\u0219te\u00a0drepturile\u00a0\u0219i\u00a0obliga\u021biile p\u0103r\u021bilor.<\/p>\n

            Debitor <\/b><\/strong>\u2013 persoan\u0103 care are obliga\u021bia de a rambursa creditul.<\/p>\n

            Scaden\u021b\u0103 <\/b><\/strong>\u2013 data la care trebuie efectuat\u0103 plata unei obliga\u021bii.<\/p>\n

            Grafic de rambursare\/Scaden\u021bar <\/b><\/strong>\u2013 document care con\u021bine termenele \u0219i\u00a0sumele\u00a0de plat\u0103\u00a0.<\/p>\n

            Debursare <\/b><\/strong>\u2013 punerea la dispozi\u021bia clientului a sumei creditului.<\/p>\n

            Dob\u00e2nd\u0103 <\/b><\/strong>\u2013 costul utiliz\u0103rii creditului, exprimat procentual sau \u00een sum\u0103\u00a0fix\u0103\u00a0.<\/p>\n

            Cost total al creditului <\/b><\/strong>\u2013 toate costurile suportate de\u00a0client \u00een\u00a0leg\u0103tur\u0103\u00a0cu\u00a0creditul.<\/p>\n

            DAE (Dob\u00e2nda Anual\u0103 Efectiv\u0103) <\/b><\/strong>\u2013 costul total al creditului exprimat procentual\u00a0anual.<\/p>\n

            Plat\u0103 <\/b><\/strong>\u2013 sum\u0103 achitat\u0103 de client pentru rambursarea obliga\u021biilor.<\/p>\n

            Restan\u021b\u0103 <\/b><\/strong>\u2013 sum\u0103 neachitat\u0103 la\u00a0termen.<\/p>\n

            Bonitatea beneficiarului <\/i><\/b><\/em><\/strong>— capacitatea de a restitui, la scaden\u021b\u0103, creditul conform contractului de credit, inclusiv dob\u00e2nda \u015fi costurile aferente a solicitantului de credit\u00a0(clientului)\u00a0\u0219i,\u00a0dup\u0103\u00a0caz,\u00a0a\u00a0fidejusorului,\u00a0determinat\u0103\u00a0\u00een\u00a0baza\u00a0actelor\u00a0prezentate\u00a0\u0219i\/sau\u00a0verific\u0103rii\u00a0conform\u00a0bazelor\u00a0de\u00a0date\u00a0privind venitul\u00a0solicitantului\/fidejusorului, verific\u0103rii\u00a0istoriei\u00a0creditare\u00a0la Birourile\u00a0istoriilor\u00a0de\u00a0credit\u00a0\u0219i\u00a0a analizei efectuate de c\u0103tre angaja\u021bii OCN\u00a0AXIOMA\u00a0CREDIT.<\/p>\n

             <\/p>\n

            Capitolul II. Servicii presta<\/b><\/strong>te de OCN AXIOMA<\/b><\/strong>\u00a0<\/b><\/strong>CREDIT<\/b><\/strong><\/p>\n

             <\/p>\n

              \n
            1. \u00a0OCN<\/b><\/strong><\/b>\u201eAXIOMA<\/b><\/strong><\/b>CREDIT\u201d<\/b><\/strong>\u00a0<\/b><\/strong>SRL<\/b><\/strong>\u00a0<\/b><\/strong>ofer\u0103 produse de creditare destinate persoanelor fizice, \u00een conformitate cu legisla\u021bia \u00een vigoare, politicile interne \u0219i principiile credit\u0103rii responsabile, av\u00e2nd drept scop finan\u021barea necesit\u0103\u021bilor financiare ale clien\u021bilor \u0219i\/sau refinan\u021barea obliga\u021biilor existente. Produsele creditare sunt acordate \u00een baza evalu\u0103rii bonit\u0103\u021bii clientului \u0219i cu respectarea cerin\u021belor legale privind protec\u021bia consumatorilor \u0219i limitarea costului total al creditului.<\/li>\n<\/ol>\n

               <\/p>\n

                \n
              1. \u00a0\u00a0OCN AXIOMA CREDIT of<\/b><\/strong>er\u0103 <\/b><\/strong><\/b>clien\u021bilor s\u0103i:<\/b><\/strong><\/li>\n<\/ol>\n

                2.1 \u00a0Credit<\/b><\/strong>\u00a0<\/b><\/strong>de<\/b><\/strong>\u00a0<\/b><\/strong>refinan\u021bare<\/b><\/strong>\u00a0<\/b><\/strong>a<\/b><\/strong>\u00a0<\/b><\/strong>datoriilor:<\/b><\/strong>\u00a0<\/b><\/strong>Credit\u00a0acordat\u00a0\u00een\u00a0scopul\u00a0achit\u0103rii\u00a0integrale\u00a0sau\u00a0par\u021biale\u00a0a\u00a0obliga\u021biilor existente ale clientului fa\u021b\u0103 de\u00a0al\u021bi\u00a0creditori.<\/p>\n

                Caracteristici principale:<\/p>\n

                . \u00a0\u00a0\u00a0\u00a0reducerea\u00a0sarcinii\u00a0financiare\u00a0lunare;<\/p>\n

                . \u00a0\u00a0\u00a0\u00a0consolidarea\u00a0mai\u00a0multor\u00a0datorii\u00a0\u00eentr-un\u00a0singur\u00a0credit;<\/p>\n

                . \u00a0\u00a0\u00a0\u00a0restructurarea\u00a0obliga\u021biilor\u00a0existente.<\/p>\n

                 <\/p>\n

                2.2 .<\/b><\/strong>\u00a0<\/b><\/strong>Credit<\/b><\/strong>\u00a0<\/b><\/strong>de<\/b><\/strong>\u00a0<\/b><\/strong>consum<\/b><\/strong>\u00a0<\/b><\/strong>f\u0103r\u0103<\/b><\/strong>\u00a0<\/b><\/strong>gaj:<\/b><\/strong>\u00a0<\/b><\/strong>Credit\u00a0acordat\u00a0persoanelor\u00a0fizice\u00a0f\u0103r\u0103\u00a0constituirea\u00a0unei\u00a0garan\u021bii<\/p>\n

                reale.<\/p>\n

                Caracteristici principale:<\/p>\n

                . \u00a0\u00a0\u00a0\u00a0f\u0103r\u0103\u00a0garan\u021bii\u00a0reale;<\/p>\n

                . \u00a0\u00a0\u00a0\u00a0poate\u00a0include\u00a0fidejusiune, dup\u0103\u00a0caz;<\/p>\n

                . \u00a0\u00a0\u00a0\u00a0acordat\u00a0\u00een\u00a0baza\u00a0bonit\u0103\u021bii\u00a0clientului.<\/p>\n

                 <\/p>\n

                2.3. Credit cu fidejusiune<\/b><\/strong>: Credit garantat\u00a0prin\u00a0angajamentul\u00a0unui\u00a0fidejusor\u00a0care\u00a0\u00ee\u0219i\u00a0asum\u0103\u00a0obliga\u021bia\u00a0de\u00a0plat\u0103 \u00een cazul neexecut\u0103rii obliga\u021biilor de c\u0103tre debitor.<\/p>\n

                Caracteristici:<\/p>\n

                . \u00a0\u00a0\u00a0\u00a0permite\u00a0accesul\u00a0la\u00a0credit\u00a0pentru\u00a0clien\u021bi\u00a0cu\u00a0bonitate\u00a0limitat\u0103;<\/p>\n

                . \u00a0\u00a0\u00a0\u00a0implic\u0103 responsabilitate\u00a0solidar\u0103 a\u00a0fidejusorului.<\/p>\n

                 <\/p>\n

                2.4.<\/b><\/strong>\u00a0<\/b><\/strong>Credit<\/b><\/strong>\u00a0<\/b><\/strong>pentru<\/b><\/strong>\u00a0<\/b><\/strong>stingerea<\/b><\/strong>\u00a0<\/b><\/strong>crean\u021belor<\/b><\/strong>\u00a0<\/b><\/strong>aflate<\/b><\/strong>\u00a0<\/b><\/strong>\u00een<\/b><\/strong>\u00a0<\/b><\/strong>gestiune<\/b><\/strong>\u00a0<\/b><\/strong>de<\/b><\/strong>\u00a0<\/b><\/strong>colectar<\/b><\/strong>e<\/b><\/strong>:\u00a0Credit\u00a0acordat\u00a0\u00een\u00a0scopul\u00a0stingerii datoriilor aflate \u00een proces de colectare.<\/p>\n

                Destina\u021bie:<\/p>\n

                . \u00a0\u00a0\u00a0\u00a0achitarea\u00a0datoriilor\u00a0restante;<\/p>\n

                . \u00a0\u00a0\u00a0\u00a0restructurarea\u00a0obliga\u021biilor\u00a0restante;<\/p>\n

                . \u00a0\u00a0\u00a0\u00a0evitarea\u00a0execut\u0103rii\u00a0silite.<\/p>\n

                Modalitate de debursare:<\/p>\n

                . \u00a0\u00a0\u00a0\u00a0transfer direct c\u0103tre creditor sau\u00a0compania\u00a0de\u00a0colectare.<\/p>\n

                 <\/p>\n

                  \n
                1. \u00a0\u00a0Capitolul III ACORDAREA CREDITULUI, COSTURI, COMPON<\/b><\/strong>ENTE<\/b><\/strong><\/li>\n<\/ol>\n

                   <\/p>\n

                  3.1 <\/b><\/strong>Modul<\/b><\/strong>\u00a0<\/b><\/strong>de<\/b><\/strong>\u00a0<\/b><\/strong>acordare<\/b><\/strong>\u00a0<\/b><\/strong>a<\/b><\/strong>\u00a0<\/b><\/strong>creditului \u2013 <\/b><\/strong>acordarea creditului se efectueaz\u0103 de c\u0103tre OCN AXIOMA CREDIT. Creditul se acord\u0103 exclusiv dup\u0103 evaluarea capacit\u0103\u021bii clientului de a rambursa obliga\u021biile asumate \u0219i dup\u0103 aprobarea formal\u0103 conform competen\u021belor stabilite intern.<\/p>\n

                  3.2 Axioma \u00a0Credit \u00a0<\/b><\/strong>furnizeaz\u0103 \u00a0clientului\u00a0formularul \u00a0standard\u00a0privind\u00a0informa\u021biile\u00a0despre\u00a0credit \u00eenainte de\u00a0semnare.<\/p>\n

                  3.3\u00a0 \u00a0<\/b><\/strong>Clientul confirm\u0103 prin semn\u0103tur\u0103 c\u0103 a\u00a0fost informat\u00a0despre\u00a0costul\u00a0creditului.<\/p>\n

                  3.4\u00a0 <\/b><\/strong>Acordarea\u00a0creditului\u00a0se\u00a0efectueaz\u0103\u00a0prin\u00a0transferul\u00a0sumei\u00a0\u00eemprumutate\/creditului\u00a0c\u0103tre\u00a0ter\u021bul \u00a0indicat \u00a0conform \u00a0cererii \u00a0clientului, \u00a0pentru\u00a0\u00a0asigurarea\/stingerea\u00a0\u00a0datoriei\/datoriilor\u00a0\u00a0sale\u00a0\u00a0fa\u021b\u0103\u00a0\u00a0de\u00a0ter\u021bi\/al\u021bi creditori sau \u00een contul beneficiarului \u00een cazul solicit\u0103rii\u00a0de\u00a0credit<\/p>\n

                  3.5\u00a0 <\/b><\/strong>Debursarea\u00a0creditului\u00a0se\u00a0efectueaz\u0103 numai dup\u0103\u00a0semnarea contractului\u00a0\u0219i poate avea\u00a0loc\u00a0prin:<\/p>\n

                  —\u00a0\u00a0\u00a0transfer bancar \u00een contul clientului;<\/p>\n

                  — \u00a0\u00a0transfer bancar c\u0103tre creditorul\u00a0clientului\u00a0(\u00een\u00a0cazul refinan\u021b\u0103rii);<\/p>\n

                  — \u00a0\u00a0alte\u00a0modalit\u0103\u021bi\u00a0legale\u00a0prin\u00a0intermediul\u00a0operatorilor\u00a0de\u00a0plat\u0103\u00a0(RunPay).<\/p>\n

                  Debursarea\u00a0este\u00a0efectuat\u0103 de\u00a0c\u0103tre\u00a0personalul\u00a0autorizat\u00a0(contabilitate).<\/p>\n

                   <\/p>\n

                  3.6\u00a0 Costul<\/b><\/strong>\u00a0<\/b><\/strong>creditul<\/b><\/strong>ui<\/b><\/strong><\/p>\n

                  Costul creditului reprezint\u0103 totalitatea pl\u0103\u021bilor pe care clientul este obligat s\u0103 le achite \u00een leg\u0103tur\u0103 cu contractul de credit, conform prevederilor contractuale \u0219i legisla\u021biei aplicabile.\u00a0Costul\u00a0creditului\u00a0este\u00a0stabilit\u00a0\u00een\u00a0mod\u00a0transparent,\u00a0clar\u00a0\u0219i\u00a0complet,\u00a0cu\u00a0respectarea principiilor de creditare responsabil\u0103 \u0219i protec\u021bie a consumatorului.<\/p>\n

                   <\/p>\n

                  3.7 <\/b><\/strong>Costul creditului este stabilit \u00eenainte de semnarea contractului \u0219i este comunicat clientului\u00a0prin:<\/p>\n

                  —\u00a0\u00a0\u00a0informa\u021biile precontractuale;<\/p>\n

                  —\u00a0\u00a0\u00a0contractul de\u00a0credit;<\/p>\n

                  —\u00a0\u00a0\u00a0graficul de rambursare;<\/p>\n

                  — \u00a0\u00a0pagina web\u00a0oficial\u0103\u00a0a\u00a0companiei,\u00a0dup\u0103\u00a0caz.<\/p>\n

                   <\/p>\n

                  3.8 <\/b><\/strong>AXIOMA\u00a0CREDIT\u00a0\u00a0nu\u00a0percepe\u00a0costuri\u00a0care\u00a0nu\u00a0sunt\u00a0prev\u0103zute\u00a0expres\u00a0\u00een\u00a0contractul\u00a0de\u00a0credit. Costul creditului nu poate dep\u0103\u0219i valoarea indicata\u00a0\u00een\u00a0art.15\u00a0al\u00a0Legii\u00a0privind\u00a0contractele\u00a0de\u00a0credit\u00a0pentru consumatori.<\/p>\n

                   <\/p>\n

                  3.9 Dob\u00e2nda aferent\u0103 creditulu<\/b><\/strong>i<\/b><\/strong>. Dob\u00e2nda de credit este stabilit\u0103 sub form\u0103 de rat\u0103 anual\u0103,\u00a0specificat\u0103\u00a0\u00een\u00a0contractul\u00a0de\u00a0credit,\u00a0care\u00a0poate\u00a0fi\u00a0\u00een\u00a0m\u0103rime\u00a0de\u00a0p\u00e2n\u0103\u00a0la\u00a050%,\u00a0\u00een\u00a0dependen\u021b\u0103\u00a0de\u00a0suma\u00a0negociat\u0103 \u0219i existen\u021ba sau lipsa unui\u00a0contract\u00a0de\u00a0fidejusiune\u00a0ce\u00a0garanteaz\u0103\u00a0executarea\u00a0obliga\u021biei.<\/p>\n

                   <\/p>\n

                  3.10 Comisionul de administrare\/monitorizare <\/b><\/strong>constituie p\u00e2n\u0103 la\u00a01.2% anual din costul total\u00a0al creditului. Comisionul este indicat \u00een contract \u0219i\u00a0este\u00a0inclus\u00a0\u00een\u00a0calculul\u00a0costului\u00a0total\u00a0al\u00a0creditului.<\/p>\n

                   <\/p>\n

                  3.11 Dob\u00e2nda<\/b><\/strong>\u00a0<\/b><\/strong>Anual\u0103<\/b><\/strong>\u00a0<\/b><\/strong>Efect<\/b><\/strong>iv\u0103.<\/b><\/strong>\u00a0<\/b><\/strong>Pentru \u00a0creditele \u00a0acordate \u00a0consumatorilor, \u00a0OCN \u00a0Axioma Credit calculeaz\u0103 \u0219i comunic\u0103 consumatorului\/clientului DA \u00eenainte de semnarea contractului. DAE include toate costurile creditului, inclusiv:<\/p>\n

                  .\u00a0\u00a0\u00a0\u00a0dob\u00e2nda;<\/p>\n

                  .\u00a0\u00a0\u00a0\u00a0comisioanele;<\/p>\n

                  . \u00a0\u00a0\u00a0alte\u00a0costuri\u00a0obligatorii.<\/p>\n

                   <\/p>\n

                  3.12 Costuri \u00een caz de \u00eent\u00e2rziere la plat<\/b><\/strong>a creditului.<\/b><\/strong><\/p>\n

                  \u00cen cazul \u00eent\u00e2rzierii la plat\u0103, OCN poate percepe dob\u00e2nd\u0103 de \u00eent\u00e2rziere conform contractului \u0219i legisla\u021biei aplicabile. Dob\u00e2nda de \u00eent\u00e2rziere:<\/p>\n

                  . \u00a0\u00a0\u00a0se aplic\u0103 doar asupra\u00a0sumelor restante;<\/p>\n

                  . \u00a0\u00a0\u00a0este\u00a0calculat\u0103 conform\u00a0ratei\u00a0stabilite\u00a0\u00een\u00a0contract;<\/p>\n

                  .\u00a0\u00a0\u00a0nu\u00a0poate\u00a0dep\u0103\u0219i\u00a0limitele\u00a0prev\u0103zute\u00a0de\u00a0lege.<\/p>\n

                   <\/p>\n

                  3.13 Scaden\u021ba<\/b><\/strong>\u00a0<\/b><\/strong>anticipat\u0103. <\/b><\/strong>\u00cen cazul \u00een\u00a0care clientul\u00a0\u00eenregistreaz\u0103\u00a0o\u00a0\u00eent\u00e2rziere\u00a0la\u00a0plata\u00a0unei\u00a0rate\u00a0scadente\u00a0mai\u00a0mare de 30 (treizeci) zile calendaristice, Creditorul are dreptul s\u0103 declare scaden\u021ba anticipat\u0103\u00a0a creditului \u0219i s\u0103 rezilieze contractul de\u00a0credit,\u00a0cu respectarea urm\u0103toarelor\u00a0condi\u021bii:<\/p>\n

                  a) <\/b><\/strong><\/b>AxiomaCredit\u00a0transmite\u00a0clientului\u00a0o\u00a0notificare\u00a0prealabil\u0103\u00a0pe\u00a0suport\u00a0durabil,\u00a0prin\u00a0care\u00a0solicit\u0103\u00a0achitarea sumelor restante;<\/p>\n

                  b) <\/b><\/strong>Clientului debitor ise acord\u0103 untermen\u00a0de minimum\u00a015\u00a0(cincisprezece)\u00a0zile\u00a0calendaristice\u00a0de\u00a0la\u00a0data recep\u021bion\u0103rii notific\u0103rii pentru remedierea situa\u021biei;<\/p>\n

                  c) <\/b><\/strong><\/b>\u00cencazul \u00een\u00a0care debitorul nu \u00ee\u0219i\u00a0execut\u0103\u00a0obliga\u021biile \u00een\u00a0termenul\u00a0acordat,\u00a0Creditorul\u00a0poate\u00a0declara\u00a0scaden\u021ba anticipat\u0103 a \u00eentregii datorii \u0219i poate ini\u021bia\u00a0procedura de recuperare conform legisla\u021biei \u00een vigoare;<\/p>\n

                  d) <\/b><\/strong><\/b>Declarareascaden\u021bei\u00a0anticipate\u00a0se\u00a0efectueaz\u0103\u00a0cu\u00a0respectarea\u00a0prevederilor\u00a0Legii\u00a0\u00a0202\/2013\u00a0privind contractele de credit pentru consumatori \u0219i Codului\u00a0civil\u00a0al\u00a0Republicii\u00a0Moldova.<\/p>\n

                   <\/p>\n

                  3.14 Costuri<\/b><\/strong>\u00a0<\/b><\/strong>de<\/b><\/strong>\u00a0<\/b><\/strong>judecat\u0103<\/b><\/strong>\u00a0<\/b><\/strong>\u0219i<\/b><\/strong>\u00a0<\/b><\/strong>executare.<\/b><\/strong>\u00a0<\/b><\/strong>Clientul\u00a0urmeaz\u0103\u00a0s\u0103\u00a0compenseze\u00a0creditorului\u00a0toate\u00a0costurile\u00a0de judecat\u0103\u00a0\u0219i\u00a0executare\u00a0suportate,\u00a0inclusiv\u00a0si\u00a0onorariul\u00a0executorului judec\u0103toresc,\u00a0spezele\u00a0de\u00a0executare precum si dob\u00e2nda \u00een procedura de executare calculat\u0103\u00a0conform art.24\u00a0Cod\u00a0de\u00a0executare.<\/p>\n

                   <\/p>\n

                  Capitolul IV. Clien\u021bii\/benefici<\/b><\/strong>arii Companiei<\/b><\/strong><\/p>\n

                  OCN AXIOMA CREDIT prime\u0219te spre examinare cereri de solicitarea creditelor\/refinan\u021bare de la persoanele fizice sau juridice care care \u00eendeplinesc cumulativ urm\u0103toarele criterii:<\/p>\n

                  a) <\/b><\/strong>de\u021bin acte de identitate valabile \u0219i domiciliusaure\u0219edin\u021b\u0103\u00a0legal\u0103\u00a0\u00een\u00a0Republica\u00a0Moldova;<\/p>\n

                  b) <\/b><\/strong>au v\u00e2rsta minim\u0103 de18 ani \u0219i capacitatedeplin\u0103\u00a0de\u00a0exerci\u021biu\u00a0conform\u00a0legisla\u021biei;<\/p>\n

                  c) <\/b><\/strong>dispun de venituri confirmate sau verificabile, suficiente pentrudeservireacreditului;<\/p>\n

                  d) <\/b><\/strong>\u00eentrunesc criteriile de bonitate stabilite conform Regulamentului privind creditarea responsabil\u0103;<\/p>\n

                  e) <\/b><\/strong>accept\u0103 verificarea istoricului de credit \u0219i furnizareainforma\u021biilor necesareevalu\u0103rii;<\/p>\n

                  f) <\/b><\/strong>dup\u0103 caz, prezint\u0103 garan\u021bii acceptabile conform politicii de riscaCompaniei;<\/p>\n

                  g) <\/b><\/strong>nu au furnizat informa\u021bii false.<\/p>\n

                   <\/p>\n

                  4.1 Condi\u021bii care pot determina<\/b><\/strong>\u00a0respingerea<\/b><\/strong>\u00a0<\/b><\/strong>cererii:<\/b><\/strong><\/p>\n

                  a) <\/b><\/strong>capacitate de plat\u0103 insuficient\u0103;<\/p>\n

                  b) <\/b><\/strong>risc de credit neacceptabil conform politicii de risc;<\/p>\n

                  c) <\/b><\/strong>furnizarea de informa\u021bii falsesauincomplete;<\/p>\n

                  d) <\/b><\/strong>refuzul furniz\u0103rii informa\u021biilor necesareevalu\u0103rii;<\/p>\n

                  e) <\/b><\/strong>alte motive obiective legate de evaluarea riscului decredit,documentate\u00a0corespunz\u0103tor.<\/p>\n

                   <\/p>\n

                  Capitolul V. Bonitatea beneficiarului \u0219i mo<\/b><\/strong>dul lui de<\/b><\/strong>\u00a0<\/b><\/strong>evaluare<\/b><\/strong><\/p>\n

                    \n
                  1. \u00a0\u00a0<\/b><\/strong>Creditorul \u00a0efectueaz\u0103evaluarea \u00a0bonit\u0103\u021biidebitorului\u00a0\u00a0conform\u00a0\u00a0prevederilor\u00a0\u00a0Regulamentului\u00a0privind\u00a0cerin\u021bele\u00a0de\u00a0creditare\u00a0responsabil\u0103\u00a0aplicate\u00a0organiza\u021biilor\u00a0de\u00a0creditare\u00a0nebancar\u0103\u00a0aprobat\u00a0prin\u00a0Hot\u0103r\u00e2rea nr 20\/5 din 20.05.2022.<\/li>\n<\/ol>\n

                     <\/p>\n

                    Beneficiarul de credit trebuie s\u0103 corespund\u0103,<\/b><\/strong>\u00a0cel pu\u021bin<\/b><\/strong>\u00a0<\/b><\/strong>urm\u0103toarelor<\/b><\/strong>\u00a0<\/b><\/strong>criterii:<\/b><\/strong><\/p>\n

                    5.1 <\/b><\/strong>posed\u0103\u00a0surse\u00a0de\u00a0venit\u00a0care\u00a0asigur\u0103\u00a0achitarea\u00a0creditului,\u00a0a\u00a0dob\u00e2nzilor\u00a0\u0219i\u00a0a\u00a0altor\u00a0pl\u0103\u021bi \u00a0aferente\u00a0creditului,\u00a0achitarea\u00a0obliga\u021biunilor\u00a0fa\u021ba\u00a0de\u00a0ter\u021bi\u00a0\u00een\u00a0m\u0103rimea\u00a0stabilit\u0103\u00a0in\u00a0Capitolul<\/b><\/strong>\u00a0<\/b><\/strong>V<\/b><\/strong>\u00a0<\/b><\/strong>al\u00a0Regulamentului\u00a0privind\u00a0cerin\u021bele\u00a0de\u00a0creditare\u00a0responsabil\u0103\u00a0aplicate\u00a0organiza\u021biilor\u00a0de\u00a0creditare\u00a0nebancar\u0103,\u00a0aprobat\u00a0prin\u00a0Hot\u0103r\u00e2rea nr 20\/5 din 20.05.2022.<\/p>\n

                    5.2 <\/b><\/strong>solicitantul prezint\u0103 documente \u0219i\/sau face declara\u021bii\u00a0(dup\u0103 caz)\u00a0care\u00a0confirm\u0103\u00a0veniturile proprii\u00a0confirmate, diversitatea,\u00a0sustenabilitatea, dinamica\u00a0posibil\u0103 a venitului \u00een viitor al s\u0103u\u00a0\u0219i\u00a0al\u00a0familiei\u00a0sale.\u00a0\u00cen\u00a0vederea\u00a0verific\u0103rii\u00a0documentelor\u00a0\u0219i\/sau\u00a0declara\u021biilor\u00a0prezentate,\u00a0creditorul,\u00a0dup\u0103\u00a0caz,\u00a0poate\u00a0aplica\u00a0metode directe \u0219i\/sau indirecte de verificare, \u00eentreprinde alte ac\u021biuni\u00a0legale;<\/p>\n

                    5.3 <\/b><\/strong>clientul dispune de surse alternative de achitare a creditului (veniturile\u00a0rudelor, remiten\u021be de\u00a0peste\u00a0hotare, punerea \u00een chirie a\u00a0spa\u021biilor, etc);<\/p>\n

                    5.4 <\/b><\/strong>clientul este angajat \u00eentr-o activitate individual\u0103, desf\u0103\u0219oar\u0103\u00a0activitate \u00een baza patentei<\/p>\n

                    de \u00eentreprinz\u0103tor, efectueaz\u0103 lucr\u0103ri sezoniere \u0219i\/sau prime\u0219te venituri neregulate, creditorul verific\u0103\u00a0sustenabilitatea veniturilor debitorului \u0219i informa\u021biile legate de capacitatea\u00a0de\u00a0a \u00eendeplini\u00a0obliga\u021biile\u00a0care\u00a0decurg\u00a0din\u00a0contractul\u00a0de\u00a0credit, baz\u00e2ndu-se\u00a0doar pe veniturile\u00a0oficiale,\u00a0caracterul regulat\u00a0al\u00a0c\u0103rora va\u00a0fi\u00a0recunoscut\u00a0\u00een cazul\u00a0\u00een care se\u00a0vor confirm\u0103 cel\u00a0pu\u021bin 3\u00a0\u00eencas\u0103ri\u00a0\u00een 6 luni consecutive efectuate\u00a0pe\u00a0parcursul\u00a0a ultimilor\u00a012 luni p\u00e2n\u0103 la depunerea cererii pentru refinan\u021bare\/credit.<\/p>\n

                    5.5 <\/b><\/strong>ofer\u0103 acoperirea contractului de credit\u00a0cu\u00a0fidejusiuni.<\/p>\n

                    5.5.1 \u00a0Indicatorii \u00a0principali<\/b><\/strong>\u00a0\u00a0<\/b><\/strong>la<\/b><\/strong>\u00a0\u00a0<\/b><\/strong>verificarea<\/b><\/strong>\u00a0\u00a0<\/b><\/strong>bonit\u0103\u021bii \u00a0\u00a0clientului<\/b><\/strong>\u00a0\u00a0<\/b><\/strong>sunt \u00a0enun\u021bate<\/b><\/strong>\u00a0\u00a0<\/b><\/strong>in \u00a0\u00a0art. \u00a05 \u00a0\u00a0<\/b><\/strong>al\u00a0Regulamentului privind cerin\u021bele de creditare responsabil\u0103 aplicate organiza\u021biilor de creditare nebancar\u0103,\u00a0aprobat prin Hot\u0103r\u00e2rea nr. 20\/5 din 20.05.2022:<\/b><\/strong><\/p>\n

                      \n
                    1. a) raportul dintre serviciul datoriei \u0219i venituri (\u00een continuare \u2013 RSDV) <\/i><\/b><\/em><\/strong>\u2013 raportul dintreserviciul datoriei \u0219i venitul mediu al consumatorului, exprimat \u00een procente;<\/li>\n
                    2. b) serviciul datoriei <\/i><\/b><\/em><\/strong>\u2013 valoarea costurilor lunare de deservire a datoriei totale aconsumatorului;<\/li>\n
                    3. c) venitul net mediu lunar al consumatorului, utilizat la determinarea bonit\u0103\u021bii acestuialadepunerea cererii pentru acordarea creditului;<\/li>\n
                    4. d)venituri<\/i><\/b><\/em><\/strong><\/i><\/b>confirmate<\/i><\/b><\/em><\/strong>\u00a0<\/i><\/b><\/em><\/strong>\u2013\u00a0veniturile\u00a0efectiv\u00a0\u00eencasate,\u00a0ce\u00a0pot\u00a0fi\u00a0confirmate\u00a0documentar\u00a0din\u00a0surse\u00a0oficiale\u00a0de\u021binute\u00a0de\u00a0autorit\u0103\u021bi publice, b\u0103nci,\u00a0societ\u0103\u0163i\u00a0financiare nonbancare\u00a0\u0219i\/sau birouri\u00a0ale\u00a0istoriilor\u00a0de credit, inclusiv remiten\u021bele care pot fi confirmate documentar, precum \u0219i veniturile confirmate \u00een baza\u00a0documentelor primare cu regim special;<\/li>\n
                    5. e) satisfacerea cerin\u021belor de asigurare a creditului <\/i><\/b><\/em><\/strong>\u2013 Capacitatea clientului de aasigura \u00eemprumutul solicitat, conform cerin\u021belor companiei cu gaj<\/li>\n<\/ol>\n

                       <\/p>\n

                      Capitolul VI. Criteri<\/b><\/strong>ile \u0219i condi\u021biile de acordare<\/b><\/strong>\u00a0<\/b><\/strong>\u0219i<\/b><\/strong>\u00a0<\/b><\/strong>rambursare<\/b><\/strong>\u00a0<\/b><\/strong>a<\/b><\/strong>\u00a0<\/b><\/strong>creditelor<\/b><\/strong><\/p>\n

                        \n
                      1. <\/b>\u00cen procesul de acordare \u0219i rambursare a creditelorsedisting urm\u0103toarele\u00a0etape:<\/li>\n<\/ol>\n

                        6.1. <\/b><\/strong>Convorbirile ini\u021biale \u0219i calificarea\u00a0clien\u021bilor:<\/p>\n

                        6.1.1.<\/b><\/strong>\u00a0<\/b><\/strong>Convorbirea\u00a0ini\u021bial\u0103\u00a0const\u0103\u00a0din\u00a0una\u00a0sau\u00a0mai\u00a0multe\u00a0etape\u00a0care\u00a0includ:\u00a0discu\u021bia\u00a0preventiv\u0103\u00a0la\u00a0telefon,\u00a0prin\u00a0po\u0219ta\u00a0electronic\u0103,\u00a0re\u021belele\u00a0de\u00a0socializare\u00a0sau\u00a0pe\u00a0site-ul\u00a0Companiei;\u00a0discu\u021bia\u00a0efectuat\u0103\u00a0de\u00a0reprezentan\u021bii Companiilor partenere cu debitorii lor, inclusiv vizite la\u00a0sediul\u00a0Companiei.<\/p>\n

                        6.1.2. <\/b><\/strong>Creditorul poart\u0103 prima discu\u021bie cu\u00a0clientul\u00a0care\u00a0se\u00a0adreseaz\u0103\u00a0c\u0103tre\u00a0Companie\u00a0cu\u00a0o\u00a0solicitare,\u00a0din cauza ca este debitor,\u00a0\u0219i\u00a0solicit\u0103 re-creditare\/refinan\u021barea datoriilor\u00a0formate\u00a0din\u00a0contractele\u00a0\u00eencheiate\u00a0anterior cu OCN sau b\u0103nci comerciale, beneficierea de bunuri\u00a0sau\u00a0servicii.<\/p>\n

                         <\/p>\n

                        6.1.3. <\/b><\/strong>Preselec<\/i><\/b><\/em><\/strong>\u021b<\/i><\/b><\/em><\/strong>ia<\/i><\/b><\/em><\/strong>\u00a0<\/i><\/b><\/em><\/strong>ini<\/i><\/b><\/em><\/strong>\u021b<\/i><\/b><\/em><\/strong>ial<\/i><\/b><\/em><\/strong>\u0103 <\/i><\/b><\/em><\/strong>a<\/i><\/b><\/em><\/strong>\u00a0<\/i><\/b><\/em><\/strong>clientului<\/i><\/b><\/em><\/strong>\u00a0\u0219i\/<\/i><\/b><\/em><\/strong>sau <\/i><\/b><\/em><\/strong>fidejusorului<\/i><\/b><\/em><\/strong>:<\/p>\n

                        \u00cen cadrul discu\u021biei primare cu un poten\u021bial client (debitor) Creditorul:<\/p>\n

                        a) apreciaz\u0103 dac\u0103 clientul corespunde criteriilor generale de acordare a creditelor: suma, scopul, garan\u021biile oferite, v\u00e2rsta, activit\u0103\u021bile practicate \u0219.a.;<\/p>\n

                        b) apreciaz\u0103 scopul \u0219i necesitatea refinan\u021b\u0103rii datoriilor debitorului;<\/p>\n

                        c) explic\u0103 produsele creditare ale Companiei care s-ar potrivi necesit\u0103\u021bilor \u0219i specificului clientului, prezent\u00e2ndu-i \u00a0calculele \u00a0aferente \u00a0produsului,\u00a0\u00a0costurile\u00a0\u00a0\u0219i\u00a0\u00a0condi\u021biile\u00a0\u00a0acestora\u00a0\u00a0(pentru\u00a0\u00a0consumatori\u00a0\u00a0— dob\u00e2nda anual\u0103 efectiv\u0103 (DAE) \u0219i costul total) pentru ca clientul, \u00een temeiul informa\u021biei furnizate, s\u0103 poat\u0103 compara mai multe oferte pentru a decide cu privire la eventuala \u00eencheiere a unui contract de credit;<\/p>\n

                        d) r\u0103spunde la \u00eentreb\u0103rile clientului \u0219i sau fidejusorului privind produsulcreditar<\/p>\n

                        e) identific\u0103 profilul de risc al clientului \u0219i sau fidejusorului \u00een baza activit\u0103\u021bilorpracticate de c\u0103tre acesta, analizei portretului social-psihologic alcli<\/p>\n

                        \u00cen \u00a0cazul \u00a0necorespunderii \u00a0totale a\u00a0\u00a0cererii\u00a0\u00a0\u0219i\/sau\u00a0\u00a0profilului\u00a0\u00a0clientului\/fidejusorului\u00a0\u00a0criteriilor\u00a0\u00a0de eligibilitate ale Companiei, administratorul de credite \u00eei comunic\u0103 despre acest fapt, precum \u0219i despre condi\u021biile care fiind \u00eendeplinite suplimentar vor face acceptabil\u0103 cererea respectiv\u0103 .<\/p>\n

                        \u00cen \u00a0\u00a0cazul \u00a0\u00a0necorespunderii \u00a0\u00a0par\u021biale \u00a0\u00a0a \u00a0\u00a0profilului \u00a0\u00a0clientului \u00a0\u00a0acestuia \u00a0\u00a0standardelor \u00a0\u00a0Companiei, administratorul de credite ofer\u0103 solu\u021bii alternative, acceptabile pentru client.<\/p>\n

                         <\/p>\n

                        6.1.4. Informarea cl<\/b><\/strong>ientului:<\/b><\/strong><\/p>\n

                        Creditorul pune\u00a0la\u00a0dispozi\u021bia\u00a0clientului\u00a0toat\u0103\u00a0informa\u021bia\u00a0stabilit\u0103\u00a0\u00een\u00a0Legea Nr. \u00a01\u00a0din\u00a016.03.2018\u00a0cu\u00a0privire la organiza\u021biile de creditare nebancar\u0103, Legea nr. 202 din\u00a012.07.2013 privind contractele de credit\u00a0pentru\u00a0consumatori,\u00a0Regulamentul privind\u00a0cerin\u021bele\u00a0de\u00a0creditare responsabil\u0103\u00a0aplicate\u00a0organiza\u021biilor\u00a0de\u00a0creditare nebancar\u0103\u00a0aprobat prin Hot\u0103r\u00e2rea CNPF nr\u00a020\/5\u00a0din\u00a020.05.2022\u00a0\u0219i\u00a0Regulamentul\u00a0cu privire\u00a0la\u00a0dezv\u0103luirea \u00a0de \u00a0c\u0103tre \u00a0participan\u021bii \u00a0profesioni\u0219ti \u00a0la \u00a0pia\u021ba\u00a0\u00a0financiar\u0103\u00a0\u00a0nebancar\u0103\u00a0\u00a0a\u00a0\u00a0informa\u021biei\u00a0\u00a0privind\u00a0acordarea \u00a0serviciilor \u00a0aprobat\u00a0\u00a0prin\u00a0\u00a0Hot\u0103r\u00e2rea\u00a0\u00a0Comisiei\u00a0\u00a0Na\u021bionale\u00a0\u00a0a\u00a0\u00a0Pie\u021bei\u00a0\u00a0Financiare \u00a0Nr.\u00a0\u00a08\/6\u00a0\u00a0din\u00a026.02.2010,\u00a0informa\u021bie\u00a0care\u00a0se\u00a0reg\u0103se\u0219te\u00a0\u00een\u00a0contractul\u00a0de\u00a0credit,\u00a0panourile\u00a0de\u00a0informa\u021bii,\u00a0precum\u00a0\u0219i\u00a0pe\u00a0pagina web oficial\u0103 a Companiei;<\/p>\n

                         <\/p>\n

                        6.1.5.<\/b><\/strong>\u00a0<\/b><\/strong>Cunoa\u0219terea clientului<\/i><\/b><\/em><\/strong>:<\/b><\/strong><\/p>\n

                        Dac\u0103 \u00een urma preselec\u021biei\u00a0ini\u021biale\u00a0se\u00a0dovede\u0219te\u00a0c\u0103\u00a0clientul\u00a0este\u00a0eligibil\u00a0de\u00a0a primi\u00a0creditul\u00a0solicitat,\u00a0Administratorul de credite identific\u0103 profilul de risc al acestuia.<\/p>\n

                         <\/p>\n

                        6.1.6. Plasarea ofertei:<\/b><\/strong><\/p>\n

                        Pentru definitivarea ofertei administratorul de credite solicit\u0103 informa\u021bii detaliate\u00a0privind capacitatea\u00a0de\u00a0plat\u0103\u00a0a\u00a0clientului\/fidejusorului,\u00a0prin\u00a0aprecierea\u00a0veniturilor\u00a0\u0219i\u00a0cheltuielilor\u00a0periodice\u00a0ale\u00a0acestuia,\u00a0a\u00a0activelor\u00a0\u0219i\u00a0obliga\u021biilor curente,\u00a0a pl\u0103\u021bilor viitoare\u00a0la\u00a0obliga\u021bii\u00a0c\u0103tre ter\u021bi\u00a0\u0219i c\u0103tre\u00a0Companie,\u00a0a\u00a0garan\u021biilor\u00a0propuse.<\/p>\n

                        Reie\u0219ind \u00a0din \u00a0capacitatea\u00a0\u00a0de\u00a0\u00a0plat\u0103\u00a0\u00a0a\u00a0\u00a0clientului\/fidejusorului \u00a0\u00a0\u0219i \u00a0garan\u021biile\u00a0\u00a0propuse\u00a0\u00a0(dup\u0103\u00a0\u00a0caz),\u00a0administratorul de credite:<\/p>\n

                          \n
                        1. a) ofer\u0103 informa\u021bii referitor la modul si termenii de achitare a datoriilordebitorului\/transferul debani\u00a0creditorilor debitorului;<\/li>\n
                        2. b) ofer\u0103 tipul de produs creditar convenabil, suma\u0219i termenulcreditului;<\/li>\n
                        3. c) ofer\u0103 informa\u021biaprivindDAE (pentru consumator) \u0219i\u00a0toate costurile aferente contract\u0103rii creditului\u00a0pentru produsul selectat \u0219i condi\u021biile negociate;<\/li>\n
                        4. d) explic\u0103 principalele clauze ale contractului de credit precum: modul de calcul \u0219iachitarea ratelor\u00a0contractului de credit, dob\u00e2nzilor \u0219i\/sau penalit\u0103\u021bilor, condi\u021biile ramburs\u0103rii anticipate, facilit\u0103\u021bile de care\u00a0poate beneficia \u00een\u00a0cazul\u00a0respect\u0103rii\u00a0obliga\u021biilor\u00a0contractuale,\u00a0dar\u00a0\u0219i\u00a0a\u00a0consecin\u021belor neonor\u0103rii\u00a0clauzelor\u00a0contractuale\u00a0(penalit\u0103\u021bi, dob\u00e2nzi\u00a0de\u00a0\u00eent\u00e2rziere, taxe\u00a0de\u00a0judecat\u0103, executarea\u00a0silit\u0103,\u00a0etc.).<\/li>\n
                        5. e) ofer\u0103 un model al contractului de credit aplicabil produsului<\/li>\n<\/ol>\n

                          6.1.7.<\/b><\/strong>\u00a0<\/b><\/strong>Dac\u0103 \u00a0clientul \u00a0corespunde \u00a0standardelor \u00a0\u0219i \u00a0decide \u00a0s\u0103 \u00a0beneficieze \u00a0de \u00a0serviciile\u00a0\u00a0Companiei,\u00a0administratorul de credite ofer\u0103 clientului formularul cererii de solicitare a creditului \u0219i, dup\u0103 caz, anexele\u00a0relevante,\u00a0precum\u00a0\u0219i\u00a0lista\u00a0documentelor\u00a0necesare\u00a0de\u00a0prezentat\u00a0pentru\u00a0examinarea\u00a0posibilit\u0103\u021bii\u00a0acord\u0103rii\u00a0creditului.<\/p>\n

                           <\/p>\n

                          6.2. Depunerea cererii de solicitare a creditului<\/b><\/strong>\u00a0<\/b><\/strong>\u0219i<\/b><\/strong>\u00a0<\/b><\/strong>a<\/b><\/strong>\u00a0<\/b><\/strong>actelor<\/b><\/strong>\u00a0<\/b><\/strong>necesare:<\/b><\/strong><\/p>\n

                          6.2.1. \u00a0<\/b><\/strong>Solicitantul \u00a0\u0219i \u00a0fidejusorul\/ii \u00a0acestui \u00a0care \u00a0depun \u00a0la \u00a0OCN \u00a0AXIOMA\u00a0\u00a0CREDIT\u00a0\u00a0cererea\u00a0\u00a0de solicitare a creditului prezint\u0103 \u00een original \u0219i\/sau copii documentele determinate de administratorul de credite conform particularit\u0103\u021bilor solicitantului baz\u00e2ndu-se pe lista ini\u021bial\u0103.<\/p>\n

                           <\/p>\n

                          6.2.2. La momentul depunerii cere<\/b><\/strong>rii administratorul<\/b><\/strong>\u00a0<\/b><\/strong>de<\/b><\/strong>\u00a0<\/b><\/strong>credite:<\/b><\/strong><\/p>\n

                          a) verific\u0103 veniturile\u0219i cheltuielile clientului\u0219i\u00a0sau fidejusorului\u00a0\u0219i\u00a0estimeaz\u0103\u00a0capacitatea\u00a0de plat\u0103\u00a0a\u00a0acestor\u00a0pentru\u00a0a\u00a0deservi \u00a0creditul \u00a0conform\u00a0produsului \u00a0solicitat\u00a0\u00een\u00a0temeiul \u00a0documentelor\/declara\u021biilor\u00a0prezentate de\u00a0client;<\/p>\n

                          b) comunic\u0103 clientului\/fidejusorului informa\u021bia privind identificarea Companiei, serviciile<\/p>\n

                          c) comunic\u0103 clientului\/fidejusorului \u0219i, dup\u0103 caz, solicit\u0103 consim\u021b\u0103m\u00e2ntul acestuia la colectarea \u0219i prelucrarea de c\u0103tre Companie a datelor cu caracter personal, care urmeaz\u0103 s\u0103 fie furnizate de c\u0103tre acesta \u00een \u00a0perioada \u00a0deservirii \u00a0creditului \u00a0(ale \u00a0sale, \u00a0ale\u00a0\u00a0ter\u021belor \u00a0persoane\u00a0\u00a0implicate,\u00a0\u00a0), \u00a0precum\u00a0\u00a0\u0219i\u00a0\u00a0despre verificarea veridicit\u0103\u021bii informa\u021biei prezentate \u00een baze de date publice, ori de la operatorii de date cu caracter personal. Concomitent clientului\/fidejusorului \u00eei sunt explicate drepturile sale ca \u00a0subiect al datelor cu caracter personal \u00een conformitate cu prevederile legisla\u021biei \u00een vigoare;<\/p>\n

                          d) verific\u0103 istoria creditar\u0103 a clientului \u0219i fidejusorului prinaccesarea bazelorde\u00a0date\u00a0a birourilor\u00a0de\u00a0credit;<\/p>\n

                          e) ofer\u0103 clientului\/fidejusorului modelul contractului de credit.<\/p>\n

                          f) \u00a0solicit\u0103 \u00a0delafidejusor\u00a0\u00a0Declara\u021bia\u00a0\u00a0privind\u00a0\u00a0efectuarea\u00a0\u00a0consulta\u021biei\u00a0\u00a0a\u00a0\u00a0poten\u021bialului\u00a0\u00a0fidejusor<\/p>\n

                          g) analizeaz\u0103 capacitatea de rambursare acreditului;<\/p>\n

                          h) evalueaz\u0103 riscurile aferente creditului;<\/p>\n

                          i) \u00eentocme\u0219te analiza de credit \u0219i propunerea de aprobaresaurespingere;<\/p>\n

                          j) dup\u0103 necesitate, transmite dosarul complet \u0219i propunerea c\u0103tre\u0218eful departamentuluic<\/p>\n

                          6.2.3.<\/b><\/strong>\u00a0<\/b><\/strong>Dup\u0103\u00a0depunerea\u00a0cererii\u00a0\u0219i\u00a0a\u00a0documentelor\u00a0necesare,\u00a0administratorul\u00a0de\u00a0credite\u00a0perfecteaz\u0103\u00a0dosarul creditar \u0219i \u00eencepe\u00a0etapa de examinare\u00a0a\u00a0cererii\u00a0clientului.<\/p>\n

                           <\/p>\n

                          6.3. Examinarea cererii c<\/b><\/strong>lientului \u0219i<\/b><\/strong>\u00a0<\/b><\/strong>luarea<\/b><\/strong>\u00a0<\/b><\/strong>deciziei:<\/b><\/strong><\/p>\n

                          6.3.1. <\/b><\/strong>Dup\u0103 primirea cererii \u0219i a\u00a0documentelor necesare,\u00a0administratorul\u00a0de\u00a0credite\u00a0introduce\u00a0datele\u00a0\u00een baza de date Arthemis AXIOMA CREDIT efectueaz\u0103 verific\u0103rile de rigoare \u00een privin\u021ba persoanelor \u0219i\u00a0bunurilor\u00a0(Liste\u00a0PEP,\u00a0sanc\u021biuni,\u00a0BIC,\u00a0instante.justice.md,\u00a0google.com,\u00a0Infodebit,\u00a0Registrul\u00a0bunurilor\u00a0mobile \u0219i imobile etc.), dup\u0103 caz solicit\u0103\u00a0concluzia\u00a0juristului\u00a0sau\u00a0opinia\u00a0altor persoane \u00eemputernicite.<\/p>\n

                          6.3.2.<\/b><\/strong>\u00a0<\/b><\/strong>Odat\u0103\u00a0finaliz\u00e2nd verific\u0103rile,\u00a0administratorul\u00a0de\u00a0credite\u00a0efectueaz\u0103\u00a0analiza\u00a0dosarului\u00a0creditar\u00a0\u0219i ia decizia corespunz\u0103toare.<\/p>\n

                          6.3.3. <\/b><\/strong>\u0218eful departamentului credit exercit\u0103 controlul asupra analizei\u00a0efectuate\u00a0\u0219i\u00a0aprob\u0103\u00a0creditele \u00een\u00a0limitele competen\u021bei stabilite.<\/p>\n

                            \n
                          1. a) examineaz\u0103 dosarul de credit \u0219ianaliza \u00eentocmit\u0103de\u00a0inspector;<\/li>\n
                          2. b) verific\u0103:<\/li>\n<\/ol>\n

                            .\u00a0\u00a0\u00a0corectitudinea\u00a0evalu\u0103rii\u00a0bonit\u0103\u021bii;<\/p>\n

                            .\u00a0\u00a0\u00a0respectarea\u00a0criteriilor\u00a0de\u00a0eligibilitate;<\/p>\n

                            .\u00a0\u00a0\u00a0respectarea\u00a0politicilor\u00a0\u0219i\u00a0procedurilor\u00a0interne;<\/p>\n

                            .\u00a0\u00a0\u00a0respectarea\u00a0cerin\u021belor\u00a0privind\u00a0creditarea\u00a0responsabil\u0103;<\/p>\n

                            c) verific\u0103 nivelul riscului asociat creditului;<\/p>\n

                            d) poate solicita informa\u021bii saudocumentesuplimentare;<\/p>\n

                            e) poate aproba sau respinge creditul \u00een limita competen\u021beistabilite;<\/p>\n

                            f) transmite dosarele care dep\u0103\u0219esc limitele sale decompeten\u021b\u0103c\u0103tre\u00a0Comitetul\u00a0de\u00a0credit;<\/p>\n

                            g) monitorizeaz\u0103 activitatea inspectorilor de credit.<\/p>\n

                             <\/p>\n

                            6.3.4 Comitetul de credit \u2013<\/b><\/strong>\u00a0aprobarea creditelor<\/b><\/strong>\u00a0<\/b><\/strong>\u0219i<\/b><\/strong>\u00a0<\/b><\/strong>excep\u021biilor<\/b><\/strong><\/p>\n

                            Comitetul de credit reprezint\u0103 organul colegial responsabil de aprobarea creditelor cu risc\u00a0mai ridicat\u00a0sau care dep\u0103\u0219esc limitele individuale de\u00a0aprobare.<\/p>\n

                            Dosarul creditar al clientului dubios este\u00a0examinat\u00a0de\u00a0c\u0103tre\u00a0organul\u00a0competent\u00a0de\u00a0luare\u00a0a\u00a0deciziilor,\u00a0care aprob\u0103 sau refuz\u0103 cererea clientului, sau\u00a0solicit\u0103\u00a0s\u0103\u00a0fie prezentate\u00a0acte\/garan\u021bii\u00a0suplimentare.<\/p>\n

                             <\/p>\n

                            6.4. Perfectarea actelor afere<\/b><\/strong>nte creditului<\/b><\/strong>\u00a0<\/b><\/strong>aprobat:<\/b><\/strong><\/p>\n

                            6.4.1. <\/b><\/strong>Administratorul de credite comunic\u0103 clientului decizia privind cererea\u00a0de\u00a0credit.<\/p>\n

                            \u00cen cazul consumatorului, anterior semn\u0103rii contractului,\u00a0administratorul\u00a0de\u00a0credite:<\/p>\n

                              \n
                            1. a)remiteInforma\u021bia\u00a0standard\u00a0european\u0103\u00a0privind\u00a0creditul\u00a0pentru\u00a0consumatori,\u00a0conform\u00a0Legii\u00a0\u00a0202\/2013;<\/li>\n
                            2. b)prezint\u0103informa\u021bia\u00a0privind\u00a0costul\u00a0total\u00a0al\u00a0creditului,\u00a0inclusiv\u00a0dob\u00e2nda,\u00a0comisioanele\u00a0\u0219i\u00a0DAE;\u00a0c)\u00a0ofer\u0103\u00a0explica\u021bii\u00a0adecvate\u00a0pentru\u00a0a\u00a0permite\u00a0consumatorului\u00a0s\u0103\u00a0evalueze\u00a0dac\u0103\u00a0produsul\u00a0corespunde\u00a0necesit\u0103\u021bilor \u0219i situa\u021biei\u00a0sale<\/li>\n<\/ol>\n

                              \u00cen cazul refuzului cererii, clientul este informat despre decizie, iar \u00een cazul \u00een care refuzul se bazeaz\u0103\u00a0pe consultarea unei baze de date, acesta este informat\u00a0conform prevederilor legale\u00a0aplicabile.<\/p>\n

                              6.4.2. <\/b><\/strong>Administratorul de credite este responsabil \u0219i asist\u0103 la\u00a0procesul\u00a0de\u00a0semnare\u00a0de\u00a0c\u0103tre<\/p>\n

                              client\/fidejusor\u00a0a\u00a0contractului\u00a0de\u00a0credit\u00a0\u0219i\u00a0a\u00a0altor\u00a0acte\u00a0care\u00a0garanteaz\u0103 rambursarea\u00a0creditului\u00a0(dup\u0103\u00a0caz: contract de gaj, fidejusiune, contract de\u00a0asigurare,\u00a0declara\u021bii,\u00a0acorduri\u00a0adi\u021bionale,\u00a0alte\u00a0acte\u00a0necesare,\u00a0etc.).<\/p>\n

                              6.4.3. \u00a0<\/b><\/strong>La\u00a0momentul \u00a0semn\u0103rii \u00a0contractelor \u00a0enun\u021bate \u00a0mai \u00a0sus, \u00a0administratorul \u00a0de \u00a0credite \u00a0explic\u0103\u00a0detaliat\u00a0clauzele\u00a0contractuale\u00a0esen\u021biale\u00a0\u0219i\u00a0anume:\u00a0Costul total\u00a0al\u00a0creditului, DAE,\u00a0dreptul\u00a0la rambursare\u00a0anticipat\u0103,\u00a0dreptul\u00a0de\u00a0retragere\u00a0din\u00a0contract,\u00a0\u00een\u00a0termen\u00a0de\u00a014\u00a0zile\u00a0calendaristice\u00a0(pentru\u00a0consumatori),\u00a0conform Legii nr. 202\/2013. Totodat\u0103 explic\u0103 consecin\u021bele\u00a0care vor\u00a0surveni\u00a0\u00een\u00a0caz\u00a0de\u00a0neachitare\u00a0la\u00a0timp\u00a0a contractului de credit. Clientului \u0219i\u00a0fidejusorului\u00a0li\u00a0se\u00a0ofer\u0103 c\u00e2te\u00a0un\u00a0exemplar\u00a0de\u00a0contract\u00a0semnat.<\/p>\n

                              6.4.4.<\/b><\/strong>\u00a0<\/b><\/strong>Dac\u0103\u00a0\u00een\u00a0urma\u00a0oper\u0103rii\u00a0modific\u0103rilor\u00a0\u00een\u00a0contractul\u00a0de\u00a0credit\u00a0survine\u00a0necesitatea\u00a0modific\u0103rii\u00a0contractelor\u00a0de\u00a0garantare\u00a0a\u00a0ramburs\u0103rii\u00a0creditului,\u00a0aceasta\u00a0se\u00a0realizeaz\u0103\u00a0prin\u00a0perfectarea,\u00a0semnarea\u00a0\u0219i\u00a0\u00eenregistrarea acordurilor adi\u021bionale la contractele respective.<\/p>\n

                               <\/p>\n

                              6.5. Eliberarea creditului:<\/b><\/strong><\/p>\n

                              6.5.1. <\/b><\/strong>Dup\u0103 recep\u021bionarea de la client\u00a0a\u00a0tuturor\u00a0documentelor\u00a0—\u00a0contractului\u00a0de\u00a0credit\u00a0\u0219i\u00a0actelor\u00a0care\u00a0garanteaz\u0103 \u00a0rambursarea \u00a0acestuia \u00a0(contractului\u00a0\u00a0de\u00a0\u00a0fidejusiune,\u00a0\u00a0contractelor \u00a0de\u00a0\u00a0asigurare,\u00a0\u00a0altor\u00a0\u00a0acte<\/p>\n

                              asiguratorii), semnate \u0219i \u00eenregistrate conform legisla\u021biei, \u00een\u00a0baza cererii clientului de eliberare a creditului,\u00a0se\u00a0efectueaz\u0103\u00a0plata\u00a0datoriei\u00a0prin\u00a0transfer\u00a0bancar\u00a0\u00een\u00a0contul\u00a0creditorului\u00a0clientului,\u00a0\u00een\u00a0contul\u00a0bancar\u00a0al\u00a0beneficiarului sau prin terminalele de plata RunPay.<\/p>\n

                               <\/p>\n

                              6.6. Rambursarea creditului:<\/b><\/strong><\/p>\n

                              6.6.1. <\/b><\/strong>Rambursarea creditului se efectueaz\u0103 conform graficului de\u00a0rambursare\u00a0anexat\u00a0la\u00a0contract.<\/p>\n

                              6.6.2.<\/b><\/strong>\u00a0<\/b><\/strong>Compania\u00a0\u021bine\u00a0eviden\u021ba\u00a0contabil\u0103\u00a0a\u00a0creditului\u00a0\u0219i\u00a0calculeaz\u0103\u00a0dob\u00e2nda\u00a0\u0219i\u00a0alte pl\u0103\u021bi\u00a0exclusiv\u00a0\u00een\u00a0conformitate cu contractul semnat \u0219i\u00a0legisla\u021bia\u00a0aplicabil\u0103\u00a0.<\/p>\n

                              6.6.3.<\/b><\/strong>\u00a0<\/b><\/strong>Clientul\u00a0are\u00a0dreptul\u00a0la\u00a0rambursare\u00a0anticipat\u0103,\u00a0total\u0103\u00a0sau\u00a0par\u021bial\u0103,\u00a0\u00een\u00a0condi\u021biile\u00a0prev\u0103zute\u00a0de\u00a0contract \u0219i de Legea nr.\u00a0202\/2013.<\/p>\n

                              6.6.4. <\/b><\/strong>Compania ofer\u0103 clien\u021bilor s\u0103i mai multe oportunit\u0103\u021bi de achitare a\u00a0pl\u0103\u021bilor aferente contractelor\u00a0de \u00a0credit, \u00a0\u00een \u00a0strict\u0103 \u00a0conformitate \u00a0cu \u00a0legisla\u021bia, \u00a0cum \u00a0ar \u00a0fi:\u00a0\u00a0transferuri \u00a0bancare,\u00a0\u00a0pl\u0103\u021bi \u00a0prin \u00a0terminale\u00a0autorizate, pl\u0103\u021bi electronice, etc.<\/p>\n

                              6.6.5. <\/b><\/strong>\u00cen\u00a0cazul apari\u021biei unor dificult\u0103\u021bi\u00a0financiare,\u00a0clientul\u00a0este \u00eencurajat\u00a0s\u0103\u00a0informeze\u00a0Compania \u00een\u00a0timp \u00a0util \u00a0pentru \u00a0identificarea \u00a0solu\u021biilor\u00a0\u00a0amiabile,\u00a0\u00a0inclusiv \u00a0restructurare\u00a0\u00a0sau\u00a0\u00a0rescaden\u021bare,\u00a0\u00a0conform\u00a0cadrului legal.<\/p>\n

                               <\/p>\n

                              6.7. Monitorizarea creditelor<\/b><\/strong><\/p>\n

                              6.7.1. <\/b><\/strong>Monitorizarea creditelor\u00a0reprezint\u0103\u00a0procesul continuu de supraveghere a execut\u0103rii obliga\u021biilor<\/p>\n

                              contractuale\u00a0ale\u00a0debitorului\u00a0\u0219i\u00a0fidejusorului, precum\u00a0\u0219i\u00a0evaluarea riscului\u00a0de\u00a0credit pe \u00eentreaga\u00a0durat\u0103\u00a0a\u00a0contractului, \u00een scopul:<\/p>\n

                              a) asigur\u0103rii ramburs\u0103riicreditului;<\/p>\n

                              b) identific\u0103rii timpurii a riscurilor de neplat\u0103;<\/p>\n

                              c) evalu\u0103rii continue a bonit\u0103\u021bii debitorului;<\/p>\n

                              d) respect\u0103rii principiilor credit\u0103rii<\/p>\n

                               <\/p>\n

                              6.7.2. <\/b><\/strong>Monitorizarea\u00a0creditelor\u00a0este\u00a0efectuat\u0103\u00a0de\u00a0c\u0103tre\u00a0angaja\u021bii\u00a0desemna\u021bi\u00a0ai\u00a0Companiei\u00a0\u0219i\u00a0include,\u00a0dup\u0103\u00a0caz:<\/p>\n

                              a) verificarea execut\u0103rii obliga\u021biilor de plat\u0103 conform graficului de rambursare;<\/p>\n

                              b) monitorizarea \u00eent\u00e2rzierilor \u0219i a restan\u021belor;<\/p>\n

                              c) monitorizarea evolu\u021biei bonit\u0103\u021bii debitorului \u0219i, dup\u0103 caz, afidejusorului;<\/p>\n

                              d) verificarea respect\u0103rii condi\u021biilor contractuale;<\/p>\n

                              e)verificareautiliz\u0103rii\u00a0creditului\u00a0conform\u00a0destina\u021biei\u00a0stabilite\u00a0\u00een\u00a0contract,\u00a0\u00een\u00a0cazul\u00a0creditelor\u00a0cu\u00a0destina\u021bie specific\u0103;<\/p>\n

                              f) actualizarea periodic\u0103 a informa\u021biilor privind debitorul, \u00een conformitate cu prevederile legale;<\/p>\n

                              g) clasificarea \u0219i gestionarea creditelor conform niveluluide risc;<\/p>\n

                              h) documentarea rezultatelor monitoriz\u0103rii \u00een sistemele interne ale Companiei;<\/p>\n

                              i) alte m\u0103suri de monitorizare stabilite de Companie, cu respectarealegisla\u021biei<\/p>\n

                               <\/p>\n

                              6.7.3.<\/b><\/strong>\u00a0<\/b><\/strong>\u00cen\u00a0cazul\u00a0apari\u021biei\u00a0\u00eent\u00e2rzierilor\u00a0la\u00a0plata\u00a0ratelor,\u00a0Compania\u00a0\u00eentreprinde\u00a0m\u0103suri\u00a0de\u00a0contactare\u00a0a\u00a0debitorului \u0219i, dup\u0103 caz, a\u00a0fidejusorului, \u00een\u00a0vederea:<\/p>\n

                              a) inform\u0103rii acestora despre obliga\u021biile restante;<\/p>\n

                              b) identific\u0103rii cauzelor \u00eent\u00e2rzierii;<\/p>\n

                              c) identific\u0103rii solu\u021biilor de remediere;<\/p>\n

                              d)examin\u0103riiposibilit\u0103\u021bii\u00a0restructur\u0103rii\u00a0sau\u00a0rescaden\u021b\u0103rii\u00a0creditului,\u00a0la\u00a0solicitarea\u00a0debitorului\u00a0\u0219i\u00a0\u00een\u00a0conformitate\u00a0cu prevederile\u00a0legale\u00a0aplicabile,\u00a0inclusiv\u00a0Legea nr. 202\/2013 privind\u00a0contractele\u00a0de\u00a0credit\u00a0pentru consumatori.<\/p>\n

                              Orice modificare a contractului se efectueaz\u0103 prin acord\u00a0adi\u021bional.<\/p>\n

                               <\/p>\n

                              6.7.4. <\/b><\/strong>\u00cen cazul neexecut\u0103rii obliga\u021biilor contractuale, Compania:<\/p>\n

                                \n
                              1. a) transmite debitorului \u0219i fidejusorului notific\u0103ri privind restan\u021bele;<\/li>\n
                              2. b) acord\u0103 termenul legal sau contractual pentru executareaobliga\u021biilor;<\/li>\n
                              3. c) poate declara scaden\u021ba anticipat\u0103 a creditului, conformcontractului\u0219i\u00a0legisla\u021biei\u00a0aplicabile;<\/li>\n
                              4. d) poate transmite dosarul spre recuperare,inclusiv:<\/li>\n<\/ol>\n

                                .\u00a0\u00a0\u00a0prin\u00a0procedur\u0103 amiabil\u0103;<\/p>\n

                                .\u00a0\u00a0\u00a0prin\u00a0intermediul\u00a0executorului\u00a0judec\u0103toresc;<\/p>\n

                                .\u00a0\u00a0\u00a0prin\u00a0instan\u021ba\u00a0de\u00a0judecat\u0103 competent\u0103;<\/p>\n

                                cu respectarea legisla\u021biei aplicabile \u0219i a drepturilor\u00a0debitorului.<\/p>\n

                                 <\/p>\n

                                6.8. Stingerea obliga\u021biilor \u0219<\/b><\/strong>i confirmarea<\/b><\/strong>\u00a0<\/b><\/strong>achit\u0103rii<\/b><\/strong>\u00a0<\/b><\/strong>creditului<\/b><\/strong><\/p>\n

                                6.8.1. <\/b><\/strong>Dup\u0103 achitarea integral\u0103 a obliga\u021biilor\u00a0aferente contractului\u00a0de\u00a0credit,\u00a0Compania:<\/p>\n

                                  \n
                                1. a) \u00eenregistreaz\u0103 stingerea obliga\u021biilor \u00een eviden\u021bele interne;<\/li>\n
                                2. b) actualizeaz\u0103 informa\u021biile transmise c\u0103tre birourile istoriilor de credit;<\/li>\n
                                3. c) \u00a0elibereaz\u0103, \u00a0la \u00a0\u00a0solicitarea \u00a0clientului \u00a0\u00a0sau \u00a0\u00a0fidejusorului, \u00a0confirmarea \u00a0\u00a0scris\u0103 \u00a0privindstingereaobliga\u021biilor.<\/li>\n<\/ol>\n

                                  6.8.2. \u00a0<\/b><\/strong>\u00cen \u00a0cazul \u00a0creditelor\u00a0\u00a0garantate,\u00a0\u00a0Compania \u00a0\u00eentreprinde\u00a0\u00a0m\u0103surile\u00a0\u00a0necesare\u00a0\u00a0pentru\u00a0\u00a0\u00eencetarea garan\u021biilor, conform legisla\u021biei aplicabile.<\/p>\n

                                   <\/p>\n

                                  Capitolul VII. Dispozi\u021bii finale \u0219<\/b><\/strong>i tranzitorii<\/b><\/strong><\/p>\n

                                  7.1. <\/b><\/strong>Prevederile prezentului Regulament sunt obligatorii pentru angaja\u021bii Companiei.<\/p>\n

                                  7.2. \u00a0<\/b><\/strong>Prezentul \u00a0Regulament \u00a0poate \u00a0fi \u00a0completat \u00a0\u0219i \u00a0modificat\u00a0\u00a0dup\u0103 \u00a0necesitatea \u00a0adapt\u0103rii \u00a0acestuia\u00a0modific\u0103rilor \u00a0operate \u00a0\u00een \u00a0procedura \u00a0OCN \u00a0AXIOMA\u00a0\u00a0CREDIT,\u00a0\u00a0precum\u00a0\u00a0\u0219i\u00a0\u00a0modific\u0103rilor\u00a0\u00a0operate\u00a0\u00a0\u00een\u00a0legisla\u021bie.<\/p>\n

                                   <\/p>\n

                                  Aprobat de c\u0103tre Administrator Ilie JECI<\/b><\/strong>COV la<\/b><\/strong>\u00a0<\/b><\/strong>17.01.2025<\/b><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

                                  R E G\u00a0U\u00a0L\u00a0A\u00a0M\u00a0E\u00a0N\u00a0T cu privire la prestarea serviciilor in\u00a0cadrul OCN \u201eAXIOMA CREDIT\u201d\u00a0SRL   Capitolul I. Prevederi Generale Prezentul Regulament con\u021bine reguli care sunt elaborate ca parte a procesului intern privind prestarea serviciilor de creditare nebancara si se refera la costul serviciului, modul de calcul a ratei dob\u00e2nzilor si\/sau penalit\u0103\u021bilor, precum si bonit\u0103\u021bii beneficiarului, modalit\u0103\u021bii de […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-575","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/gincredit.md\/ru\/wp-json\/wp\/v2\/pages\/575","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gincredit.md\/ru\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gincredit.md\/ru\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gincredit.md\/ru\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gincredit.md\/ru\/wp-json\/wp\/v2\/comments?post=575"}],"version-history":[{"count":5,"href":"https:\/\/gincredit.md\/ru\/wp-json\/wp\/v2\/pages\/575\/revisions"}],"predecessor-version":[{"id":616,"href":"https:\/\/gincredit.md\/ru\/wp-json\/wp\/v2\/pages\/575\/revisions\/616"}],"wp:attachment":[{"href":"https:\/\/gincredit.md\/ru\/wp-json\/wp\/v2\/media?parent=575"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}