COMPARE
AGRICULTURAL LOANS
Currency
Lei or Euro
Lei or Euro
Lei
Lei or Euro
Lei or Euro
Lei or Euro
Lei
Lei or Euro
Credit period
5–10 years
180 months (15 years)
The repayment deadline will be based on the date the subsidies are received from APIA and AFIR
12–60 months
5–10 years
180 months (15 years)
The repayment deadline will be based on the date the subsidies are received from APIA and AFIR
12–60 months
Benefits
- Funding for Farm Development and Modernization
- Purchase of machinery, land, equipment, and other agricultural investments
- Flexible repayment, tailored to the agricultural cycle
- You are purchasing farmland to expand your farm
- Flexible repayment schedule tailored to agricultural operations
- Simplified Documentation for Analysis
- Fast approval: Funds can be deposited into your account in just a few minutes or hours after you submit your request.
- Digital process: Fill out the forms and sign the contract electronically.
- Funding for the farm's day-to-day operations
- Quick Tuning
- Flexible repayment schedule
- Funding for Farm Development and Modernization
- Purchase of machinery, land, equipment, and other agricultural investments
- Flexible repayment, tailored to the agricultural cycle
- You are purchasing farmland to expand your farm
- Flexible repayment schedule tailored to agricultural operations
- Simplified Documentation for Analysis
- Fast approval: Funds can be deposited into your account in just a few minutes or hours after you submit your request.
- Digital process: Fill out the forms and sign the contract electronically.
- Funding for the farm's day-to-day operations
- Quick Tuning
- Flexible repayment schedule
Destination
- Partial or full financing of investment projects
- Acquisition of fixed assets in the categories of tangible and intangible assets
- The construction, development, modernization, consolidation, improvement, and technological upgrading of production or distribution facilities
- You can refinance any land you've purchased in the last 3 years that is registered in the land registry or for which you have another piece of land to use as collateral
- You can purchase land next year, register it, and use it as collateral for a loan (or another equivalent property).
- To support the ongoing operations of the recipients of these types of payments (including the payment of outstanding debts to the state budgets) by bridging the time gap until the funds are received from APIA/AFIR.
- Working capital required to support current operations
- Partial or full financing of investment projects
- Acquisition of fixed assets in the categories of tangible and intangible assets
- The construction, development, modernization, consolidation, improvement, and technological upgrading of production or distribution facilities
- You can refinance any land you've purchased in the last 3 years that is registered in the land registry or for which you have another piece of land to use as collateral
- You can purchase land next year, register it, and use it as collateral for a loan (or another equivalent property).
- To support the ongoing operations of the recipients of these types of payments (including the payment of outstanding debts to the state budgets) by bridging the time gap until the funds are received from APIA/AFIR.
- Working capital required to support current operations
Loan amount
80–85% of the project value, excluding VAT
80–85% of the purchase price
The maximum funding percentage (up to 90%) or the maximum amount, as established in the agreements with APIA, applied to the remaining amount due as indicated on the certificate.
No maximum value
80–85% of the project value, excluding VAT
80–85% of the purchase price
The maximum funding percentage (up to 90%) or the maximum amount, as established in the agreements with APIA, applied to the remaining amount due as indicated on the certificate.
No maximum value
Minimum conditions for granting
- You are not prohibited from writing checks
- You do not have any late payments on your loans listed in the Credit Risk Registry
- You have no active entries in the Insolvency Proceedings Bulletin
- Any conditions resulting from the credit analysis
- You are not prohibited from writing checks
- You do not have any late payments on your loans listed in the Credit Risk Registry
- You have no active entries in the Insolvency Proceedings Bulletin.
- Any conditions resulting from the credit analysis
- You are not prohibited from issuing bank checks, and you have no active entries in the Insolvency Proceedings Bulletin.
- Maximum Type C liabilities as of the most recent CRC consultation available as of the date of the analysis, for outstanding loans and leases.
- you are not prohibited from writing bank checks
- you are not in arrears in the Credit Risk Register
- you have no active records in the Insolvency Proceedings Bulletin.
- You are not prohibited from writing checks
- You do not have any late payments on your loans listed in the Credit Risk Registry
- You have no active entries in the Insolvency Proceedings Bulletin
- Any conditions resulting from the credit analysis
- You are not prohibited from writing checks
- You do not have any late payments on your loans listed in the Credit Risk Registry
- You have no active entries in the Insolvency Proceedings Bulletin.
- Any conditions resulting from the credit analysis
- You are not prohibited from issuing bank checks, and you have no active entries in the Insolvency Proceedings Bulletin.
- Maximum Type C liabilities as of the most recent CRC consultation available as of the date of the analysis, for outstanding loans and leases.
- you are not prohibited from writing bank checks
- you are not in arrears in the Credit Risk Register
- you have no active records in the Insolvency Proceedings Bulletin.
Fees and commissions
Granting commission
1,5%
1.5%–2%
1%
1%–1.5%
1,5%
1.5%–2%
1%
1%–1.5%
Non-use fee
-
-
-
1%–1.5%
-
-
-
1%–1.5%
Management fee
0% – 0.15% per month
0% – 0.15% per month
-
0% – 0.15% per month
0% – 0.15% per month
0% – 0.15% per month
-
0% – 0.15% per month
Early Repayment Fee (for loans taken over from other banks)
1%–2%
1%–2%
-
1%–2%
1%–2%
1%–2%
-
1%–2%
Documents needed
Tax attestation certificate
Last completed quarterly trial balance
Last two annual balance sheets, together with related balance sheets and receipts
Legal-constitutive approval regarding the contracting of the loan
Documents for the proposed collateral, if the loan is secured by collateral
CRC Agreement
APIA Loan Application
