Pricing policy

The platform proposes the annual interest rate of each loan (Regulation (EU) 2020/1503, Art. 4(4)(c)). The rate:

• starts from the market: the rates of comparable secured loans to companies in the Republic of Moldova and the yield of state securities in the loan's currency;
• adds a margin for the loan's risk category: the higher the expected default rate, the higher the rate must be for the expected losses to be covered;
• takes into account the term, the schedule (bullet or amortising), the collateral and its liquidity;
• is agreed with the project owner and stated in the KIIS together with the fees.

A loan of category D or E is not offered at any rate. The rate of a loan does not change after the offer opens except by an amendment of the KIIS. The fees are in the Tariffs.