CONTENTS

INTRODUCTION ................................................. .................................................. ........ 3

1. TRANSYLVANIA BǍNCII development and organization .... 5

1.1. History of Transylvania Bank ... ... ... ... ... ... ... ... ... ... ... ... ... .......... 5

1.2. Transylvania Bank Structure ... ... ... ... ... ... ........... ... ... ... 6

1.2.1. Transylvania Bank Management ... ... ... ... ... ... ... ... ... ... ... ... ...................... 6

1.2.2. Committee officers and responsibilities ......................... 7

2. PRODUCED ON LOAN FROM BANK TRANSYLVANIA ..................... 9

2.1. BT credit situation ............................................. ..... 9

2.2. Credits for individuals ... ... ... ... ... ... ... ... ... ....... ... ... ... ... ... ... ... ... ... ... ... ................... 10

2.2.1. Home Loan Casǎ ... ... ... ... ... .... ... ... ... ... ... ... ... ... ... ... ... ......................... 10

2.2.2. Consumer credit ... ... ... ... ... ... ... ... ... ... ... ...... ... ... ... ... ... ...... ... ........ 12

2.2.3. Mortgage loan ... ... ... ... ... ... ... ... .. ... ... ... ... ... ... ... ... ... ... ... ... ......... 13

2.2.4. Bridge loan ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... ... ....... 13

2.3. Corporate officer ... ... ... ... ... ... ..... ... ... ... ... ... ... ... ... ... ... ... ......................... ... 14

2.3.1. Start Up Loans ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ......... 15

2.3.2. Fast Loans ... ... .... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ......... 15

2.3.2.1. Without any proper investment credit ..................................... 16

2.3.2.2. Zero interest credit ............................................... ................. 17

2.3.2.3. 100% input credit .............................................. ........,..... 17

2.3.2.4. Loan "An hour without any investment, the EBRD sources ........... 17

2.4. Corporate credit ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ..... ... ... ... ................... 18

3. General considerations

FOR loans ............................................... ........... 20

3.1. Credit terms of content and relationship ... ... ... ... ... .. ... ... ............................ 20

3.1.1. Credit functions ... ... ... ... ... ... ................................ ... ... ... ..... .. ... ....... 20

3.1.2. Distinctive features of credit ... ... ... ... ... ... ... ... ... ... ......... 21

3.1.3. Loan classification ................................................ ............................... 22

3.1.4. Credit policy ............................................... ..................................... 23

3.2. Considerations regarding the risks in lending ............................................. .. 24

03.03. And interest rate ... ... ... ... ... ... ... ....................................... ............... 25

3.4. Commissions ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... ... ... ... ... ... ........ 28

4. LOANS FOR HOUSING ............................................... .................... 29

4.1. General considerations on housing loans .................... 29

4.2. Credit supply to residential ............................................. ................ 30

4.2.1. Transylvania Bank Offer Housing ...................................... 30

4.2.2. Housing Bank ............................................... ............................. 30

4.2.3. National Housing Agency .............................................. ........ 31

4.2.4. Other bidders for housing credit ............................................ .. 32

4.3. Importance locuinţǎ credit .............................................. ............ 32

4.4. Need new real estate projects ............................................. .............. 33

5. ELIGIBILITǍŢI FINANCIAL ANALYSIS OF CUSTOMER ............. 35

5.1. Analysis bonitǎţi individuals .............................................. ................ 35

5.2. Financially economical and legal persons ........................... 36

5.2.1. Liquidity Analysis ................................................ ........................................ 38

5.2.2. Solvency analysis ................................................ ................................ 39

5.3 The grant and loan approval ............................................. ................. 39

5.3.3. Credit Contract ............................................... ................................... 40

5.3.2. Secure credit ................................................ ............................... 41

5.3.2. Credit insurance ................................................ ............................... 42

5.4. Repayment of loans and payment rates ............................................. ..... 43

5.5. Collateral execution ............................................... .......................... 44

6. GRANT a mortgage

At Banca Transilvania (CASE STUDY) .................................... 45

CONCLUSIONS AND PROPOSALS ............................................... ................................... 49

1. Conclusion ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... ... ... ..... ... ... ..... 49

2. Proposed ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... ... ... ... ...... ... .. 50

ANNEXES ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... ... ... ... ... ... ... ... ... ... ... .. ... ..... 52

Annex 1. Request credit for individuals ... ........................................... 52

Annex 2. Income ... .............................................. .................................. 55

Annex 3. Consulting agreement database CIB

Banking ... ................................................ .................................................. .... 56

Annex 4. Agreement transmission, processing and consultation shall

to s.c. Credit bureau ... ... ... ... ... ... ... ... ... ... ... ... ................... 57

Annex 5. Affidavit ... ... ... ... ... ... ... ... .......................... 58

Annex 6. Credit agreement for individuals ... ... ... ................................ 59

References (selective) ... ... ... ... ... ... ... ... ... ... ... ... ... ................................. ....... 63