Banca de Economii S.A.

No.i/o

The document name

The date of appealing to the bank

Client’s signature

The signature of bank officer

I. The general information compartment

1.

The request of qualifying for a loan

2.

A report of the decision organ regarding the demanding of the loan, to give as a mortgage the patrimony and giving the right to signature (according to the valid legislation), with the authorized signatures

II. The judicial compartment

1.

The certificate of registering the company (with the application of the IDNO Code on it)

2.

The certificate of attributing the fiscal code

3.

The status and other constitution documents, as well all the modifications

4.

Extract from the Stat Register of Enterprises and organizations as concerns the ruler (for joint stocks)

5.

Extract from the Stat Register of Enterprises and organizations as concerns the founders and the shares they posses and the ruler (for societies with limited responsibility, personal enterprises), Extract from the Village Household Register issued by the City Halls (for village households)

6.

Extract from the independent Registration as concerns the make-up of the shareholders and the shares they posses (for joint stocks in the case when the General Assembling of the shareholders is the decision organ of demanding a loan)

7.

The report of selecting the members of the Council (for joint stocks in the case when the Council is the decision organ of demanding a loan)

8.

The report or the order of naming in function of the manager

9.

The report or the order of naming in function of the accountant-chief

10.

The copy of the identity cards of the responsible persons (ruler, accountant-chief)

11.

The notary authenticated proxy for the authorized persons of the enterprise or founders.

12.

Certificates that confirm reductions

13.

The activity licenses

14.

The Certificate from the Stat Fiscal Inspectorate as concerns the opening of the loan account

III. The financial situation compartment

1.

The annual financial reports for the last 2 years of management and the term financial reports for the last year of management (with the visa of the statistics Direction)

2.

The declarations of income for the last 2 years of management (with the visa of the statistics Direction) (for personal enterprises and village house holds)

3.

In the case of existence of other bank accounts:

-  The bank letter about the existence or lack of the loans (indicating the amount, the terms, the sum of the debts);

-  The bank extract as concerns the notations in the current account;

-  The copies of the current loan and mortgage contracts in other banks

4.

The information about the previous and current loans (the place, the amount, the terms, the interest rate, the guarantees)

5.

The deciphering of the fixed means (the forms 10 and 11), the buy contracts, giving in exploitation, other technical documentation)

6.

The deciphering of the leasing liabilities, the confirmative contracts

7.

The deciphering of the shares

8.

The deciphering of the commercial promissory notes (name, object, amount, terms, current account, notes)

9.

The deciphering of the commercial debts (name, object, amount, date of appearing, date of paying, current account, notes)

10.

The afferent contracts of the 5 biggest  commercial promissory notes and the biggest 5 commercial debts

11.

The deciphering of the offered advances (name, object, amount, date of appearing, date of recuperation, current account, notes)

12.

The deciphering of the received advances (name, object, amount, date of appearing, date of payment, current account, notes)

13.

The afferent contracts of the biggest 5 offered and received advances

14.

The deciphering of other balances (in the case when their amount constitutes more than 10 % from the balance currency)

16.

In the case of losses – an informative note as concern their causes

17.

The last audit report (if exists)

IV. The contractual basis compartment

1.

Contracts and other documents that confirm the utilization at the destination of the loan

2.

Contracts with the wares and service purveyors

3.

Contracts of commercializing the products

4.

The renting contracts

V. The secondary reimbursement source compartment

The self evaluation report of the goods proposed in the mortgage

1. For circular means

1.

The list of the goods proposed in the mortgage, indicating the measure unity, the quantity and the price per unity, in accordance with the countable value

2.

The documents that confirm the total payment of the goods proposed in the mortgage to the purveyors

3.

The approval of all the owners to remit the mortgaged goods

4.

The documents that confirm the right of property over the goods proposed I the mortgage

5.

The customs declaration for the imported goods

6.

The conformity certificate of the National System of Certification of the Republic of Moldova, the hygiene certificates from the National center of Hygiene and Epidemics, the quality certificates from the producer, the provenience certificates

7.

The storing certificates, if the ware house is rented – the rent contract and the certificate that attest the lack of the debts for the rent

2. For fixed means

1.

The list of the goods proposed in the mortgage, indicating the countable value and the usage

2.

The documents that confirm the total payment of the goods proposed in the mortgage to the purveyors

3.

The approval of all the owners to remit the mortgaged goods

4.

The documents that confirm the right of property over the goods proposed I the mortgage

5.

The customs declaration (for the imported goods)

6.

The technical passports (for devises)

7.

The conformity certificate of the National System of Certification of the Republic of Moldova, the hygiene certificates from the National center of Hygiene and Epidemics, the quality certificates from the producer, the provenience certificates

8.

The storing certificates, if the ware house is rented – the rent contract and the certificate that attest the lack of the debts for the rent

3. For fixed assets (buildings)

1.

The local authorities decision concerning the construction of the building

2.

The report of distributing the land sector for building, issued by the City Hall

3.

The report of the final reception of the object in exploitation and the adequate City Hall Decision

4.

The cadastral file, issued by the Cadastral Territorial Organ

5.

Extract from the fixed assets Register, issued by the Cadastral Territorial Organ (for the mortgaged fixed asset and the afferent land)

6.

Certificate upon the value of the fixed asset, issued by the Cadastral Territorial Organ

7.

The City Hall decision regarding the privatization of the afferent land

8.

The title of authenticity of the right of the land owner, issued by the City Hall

9.

The confirmation of the property right or the utility over the lands that the mortgaged objects are placed upon

10.

The buy sell acts of the building and the afferent land

11.

Photos of the building, its plan and the short description

12.

For the privatized flats and houses: (the houses and the flats of the people, whose main activity is agriculture will not be accepted as mortgage)

The notary authorized of the written approval of all the co owners s regards the mortgaging the house or the flat

The Certificate issued by the Tutorship and Curatorship Authority regarding the consent to mortgage the flat where leave minors, who are in the same time the co owners of the apartment

The building book of the edifice

The certificate issued by the Department of Privatization and Administration the State Property (the list of the privatization participants)

The documents, on the basis of which the person has become the owner of the building (the buy sell contracts, the privatization contracts, the donation contracts etc).

The photos of the goods proposed as mortgage, signed by the represented of the loan solicitor

4. For transport means

1.

In matriculation Certificates of the transport means

2.

The confirmation of the technical revision

3.

Extract from the transport Register (DTI) as concerns the that the transport that is proposed for mortgage is not already mortgaged, it is not under distrait or litigious

5. In the case when the mortgaged debtor is a third person (legal entity)

1.

The letter of the loan solicitor towards the third person with the request to mortgage the object –the third person property

2.

The documents encountered in the present list at the IInd chapter „The judicial compartment” points 1-13

3.

The report of the decision organ as concerns the acceptance of mortgaging its wealth and authorization with the signature right

4.

The last financial annual report (with the visa of the Direction for statistics)

5.

The financial report at the last date of managing (with the visa of the Direction for statistics) where the good to be mortgaged is presented

6.

The deciphering of the position of the financial report where the good to be mortgaged is presented

6. In the case when the mortgaged debtor is a third person (individual)

1.

The letter of the loan solicitor towards the third person with the request to mortgage the object –the third person property

2.

The identity card copy

3

The spouse approval for mortgaging the property

4

The Certificate issued by the Tutorship and Curatorship Authority as regards the consent to mortgage the flat where leave minors, who are in the same time the co owners of the apartment

7.În the case when the guarantee is constituted by a third person

1.

The letter of the loan solicitor towards the third person with the request to constitute the guarantee 

2.

The documents encountered in the present list at the II^nd chapter „The judicial compartment” points 1-13

3.

The report of the decision organ as concerns the acceptance of constituting the guarantee and authorization with the signature right

4.

The last financial annual report (with the visa of the Direction for statistics)

5.

The financial report at the last date of managing (with the visa of the Direction for statistics)

VI. The primary reimbursement source compartment

1.

The business plan of the enterprise activity for the period of demanding the loan and the technical economical argumentation of the project which the loan id demanded for

2.

The documents as regards the project and devise expenses (in the case when the aim of the project is the building, rebuilding, major repair)

3.

The forecast of the incomes and expenses in divisions on activity types

4.

The forecast of the report concerning the financial results

5.

The forecast of the report concerning the cash flow

6.

The information regarding the rolling in the current accounts (in MDL and foreign currency)

7.

The technical details of the production, advertising projects, samples, photos etc.