Financing

The Consumer Loan enables you to meet your personal and family needs or finance various projects, with favorable terms and a simple, fast application process.

Loan Features

The Consumer Loan is offered with flexible financing amounts and repayment terms tailored to your individual needs. The interest rate is competitive, while the approval process is completed within a short period of time with minimal documentation required. Customers also benefit from free financial advice from our specialized staff, as well as the option of early repayment without additional penalties.

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    We ensure that the data collected through this application will be processed in accordance with Law No. 06/L-082 "On the Protection of Personal Data".

    Having your own house or apartment is part of every family’s life journey. However, purchasing real estate can require a substantial investment, especially for a family that is just starting out. Your home is important to you, and Credins Bank offers financing solutions within its range of products, including the Mortgage Loan for the financing of real estate.

    Advantages and Features

    • You can purchase or expand your home according to your family’s needs and in line with your income.
    • You can manage your income carefully over the long term by balancing everyday expenses with long-term investments.

    Required Documentation

    For employed individuals

    • Passport (notarized copy).
    • Proof of monthly household income.
    • Mortgage certificate and documents proving the origin of the property.

    For individuals who own a small business

    • Passport (notarized copy).
    • License for the most recent year.
    • Mortgage certificate and documents proving the origin of the property.

    For individuals who own a large business (LLC or JSC)

    • Legal documentation of the company.
    • Financial statements for the most recent year submitted to the tax authorities.
    • Mortgage certificate and documents proving the origin of the property.

    For personalized information, we welcome you at one of our branches!

    Get to Know the Overdraft for Individuals

    An overdraft is a line of credit that, in most cases, is linked to an individual’s salary and allows them to withdraw, at any time, an amount from their current account equivalent to between one and five monthly salaries, depending on the approved limit. Each individual must submit a request at the branch where they conduct their banking activities and sign an agreement in order to be entitled to use this financial facility.

    Advantages

    • Helps individuals cover various payment needs or purchases that exceed their monthly income.
    • Enables the settlement of unexpected and short-term expenses.

    The overdraft is repaid automatically when funds are credited to the account. Credins Bank also offers the possibility of repaying the overdraft in fixed installments. The overdraft is a short-term financial facility and is granted for a period of no more than one year.

    For personalized information, we welcome you at one of our branches!