{"id":26493,"date":"2026-01-12T00:00:00","date_gmt":"2026-01-11T22:00:00","guid":{"rendered":"https:\/\/new.bancamea.md\/?p=26493"},"modified":"2026-08-31T22:44:52","modified_gmt":"2026-08-31T19:44:52","slug":"pana-la-400000-mdl-pentru-planurile-tale-conditiile-creditului-de-consum-energbank","status":"publish","type":"post","link":"https:\/\/new.bancamea.md\/?p=26493","title":{"rendered":"P\u00e2na la 400.000 MDL pentru planurile tale: conditiile creditului de consum Energbank"},"content":{"rendered":"\n<p><strong>Energbank<\/strong> propune persoanelor fizice un credit de consum fara gaj, destinat finantarii cheltuielilor importante, cu suma maxima de p\u00e2na la<strong> 400.000 MDL<\/strong> si dob\u00e2nda fixa avantajoasa.<\/p>\n<p>Creditul este acordat cu o dob\u00e2nda fixa de <strong>8,90%<\/strong> pe an, valabila p\u00e2na la <strong>20 ianuarie 2027<\/strong>, fara comisioane de acordare sau administrare. Dob\u00e2nda anuala efectiva (DAE) constituie <strong>9,21%<\/strong>.<\/p>\n<p>Potrivit exemplului prezentat de banca, pentru un credit \u00een suma de 100.000 de lei, contractat pe o perioada de 60 de luni, cu dob\u00e2nda fixa de<strong> 8,90% <\/strong>anual p\u00e2na la data de 20 ianuarie 2027, rata lunara este de 2.071 de lei, iar suma totala de rambursat ajunge la 124.259,66 lei.\u00a0<\/p>\n<p>\u00cencep\u00e2nd cu <strong>21 ianuarie 2027<\/strong>, rata dob\u00e2nzii va deveni flotanta, fiind formata din indicele de referinta stabilit de Banca Nationala a Moldovei, la care se adauga marja bancii de <strong>6%<\/strong>.<\/p>\n<p>Banca atrage atentia asupra importantei rambursarii responsabile a creditelor si recomanda evaluarea atenta a capacitatii de plata \u00eenainte de contractarea unui \u00eemprumut.<\/p>\n<p>Informatii suplimentare despre oferta sunt disponibile pe <a href=\"https:\/\/www.energbank.com\/ro\/page\/credit-de-consum-fara-gaj?utm_source=meta&#038;utm_medium=banner&#038;utm_campaign=CreditDeConsum&#038;fbclid=IwY2xjawPRhFpzcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEed5jJO6Ap0EthQuEIE2enrl8zhOo70dxxHk1CdwcMk-R7oGGZD3mtkNbywZM&#038;brid=4cPYLMecn2m17aBDw7z0Bw\">site-ul oficial al bancii<\/a>, iar detalii pot fi obtinute si la numarul de telefon\u00a0<strong>022 858 085<\/strong>.<\/p><script src=\"\/\/cdn.flmngr.com\/widgets.js?apiKey=FLMNFLMN\" data-ts=\"1768203608374\"><\/script>\n","protected":false},"excerpt":{"rendered":"<p>Energbank propune persoanelor fizice un credit de consum fara gaj, destinat finantarii cheltuielilor importante, cu suma maxima de p\u00e2na la 400.000 MDL si dob\u00e2nda fixa avantajoasa.<\/p>\n","protected":false},"author":1,"featured_media":7609,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-26493","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noutatile-bancilor"],"_links":{"self":[{"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts\/26493","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=26493"}],"version-history":[{"count":1,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts\/26493\/revisions"}],"predecessor-version":[{"id":33729,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/posts\/26493\/revisions\/33729"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=\/wp\/v2\/media\/7609"}],"wp:attachment":[{"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=26493"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=26493"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.bancamea.md\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=26493"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}