General loan conditions

“Lei/Euro Loan” The loan is offered in Lei at the current official quotation of Romanian National Bank, in this case all the payments including the reimbursement of the loan is going to be made in Lei at the current official quotation of Lei \ Euro on the payment day, the base of the calculation is going to be the value of the loan in terms of Euro.

The goods accepted as guarantee are:

Estates by the nature of precious metals, art objects, antiquities, electronics (max. 3 year old and with brand name), auto – motor.

Evaluation of the goods accepted as guarantee:

The evaluations is made in common agreement of the two parts, the value appreciated this way is being considered the exchange value of the goods.

The identity documents with you can identify yourself are:

Identity card, identity certificate, passport. The identity card with you identify yourself has to contain all the identification dates and it has to be valid.

The rights and obligations of the creditor:

The creditor obliges to return to the debtor the received goods with the pawn title on the date when the debtor fulfills the obligations of payment of the debts.
The creditor assures the storage, manipulation and the kept of the received goods from the debtor and is responsible for the degradation, destruction, disappearance of these by his fault, going to not more then the value stipulated in the pawn contract, with the exception of the vis major cases and contingency occurred before that his obligation became due.
The creditor has the obligation not to use the received goods from the debtor with the pawn title.
The creditor is entitled to be paid with preferences, form the pawned goods before other creditors of the debtor, the reference value being determined in the conditions above-mentioned.

The rights and obligations of the debtor:

The debtor must oblige himself that on the determined date in the pawn contract to return the loaned sum to the creditor together with the daily commission.
The debtor can prolong the contract, optional with a similar period with the one determined in the contract, on condition to pay the commission until the date of the prolonged contract.
The debtor must guarantee that the pawned goods are his property gained in legal way and they are free by any charge.
The pay out of the loan can be made and the returning of the pawned goods can be asked, also before of the specified date and also after that, as long as the pawned good has not been taken out for sale, on condition that the commission calculated on the delayed days will be paid.
The same way the creditor can ask for the sale of the good before the expiration of dead line of the loan.
The debtor responds for the latent defects of the goods handed by the creditor.
In case of default on the assumed responsibilities, the debtor agrees that after the execution of the legal procedures, the specified goods in the annex of the present contract to become the property of the creditor.

The return of the pawn:

The return of the pawn can be asked by the owner of the pawn contract, on base of the identity card or by a third person in accordance with the option of the debtor stipulated in the pawn contract.