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REGARDS TO FILLING THE LOAN APPLICATION, CONSIDERATION PROCESS, CREDITING AGREEMENT CONCLUSION AND INDIVIDUALS IDENTIFICATION
In this paper are employed terms that are following
Creditor вЂ“ SIA вЂњAIZDEVUMS.LVвЂќ;
Guarantor вЂ“ a physical individual who, whenever publishing the mandatory documents and signing the surety agreement, provides a warranty for the customer’s responsibilities underneath the credit contract;
Loan вЂ“ money loan, loan for buying click SIA вЂњGANDRSвЂќ goods;
Application вЂ“ application for getting the Loan;
Crediting Agreement вЂ“ agreement for providing the mortgage.
1. General terms
1.1. Loans are given to consumers aged 18 or over вЂ“ with or without having a Guarantor, with regards to the consumer’s earnings as well as other circumstances. Requisite of the Guarantor is dependent upon the Creditor.
1.2. The feasible Loan quantity is from 100.00 EUR (a hundred euros, 00 cents) to 4500.00 EUR (four thousand five hundred euros, 00 cents).
1.3. The possible Loan term is from 3 (three) to 60 (sixty) months.
1.4. The mortgage terms (Loan quantity, payment duration, interest rate, payment cost amount as well as other terms) are dependant on the Creditor.
2. Filling the Application For The Loan
2.1. The customer (if necessary, the Guarantor) shall perform one of the following activities in order to apply for a loan
2.2. In the event the client requires a Guarantor, a member of staff of вЂњGANDRSвЂќ Ltd. notifies your client that the Guarantor needs to fill out the Application indicating the individual whose responsibilities the Guarantor would like to guarantee. The application form must be submitted either to SIA вЂњGANDRSвЂќ or even to the Creditor. In case of a loan being awarded, the Crediting loan is concluded at вЂњGandrsвЂќ Ltd. upon arrival for the Guarantor who may have to signal the agreement of guarantee.
2.3. After getting the program вЂњGANDRSвЂќ Ltd. worker:
3. Consideration associated with the Application For The Loan
3.1. The Creditor considers the program not much longer than 2 (two) times through the date of its receipt and notifies “GandrsвЂќ Ltd. additionally the Client in regards to the decision taken. Feasible kinds of decisions:
3.2. Just in case the Creditor demands extra papers, such as for instance a workplace certification, pensioner certificate or virtually any papers following the Application happens to be prepared, a worker of “Gandrs” Ltd. has got the directly to request the mandatory papers through the customer and send copies to your Creditor.
4. Summary associated with the Crediting Contract
4.1. An employee of вЂњGandrsвЂќ Ltd. ascertains whether the agreement is concluded with the person who has submitted the Application before signing the crediting agreement.
4.2. As soon as the customer finds вЂњGandrsвЂќ Ltd. trading customer or point service center вЂњGandrsвЂќ Ltd. worker:
The customer and the Guarantor receive one copy of the Agreement after signing the agreements.
5. Regards to man or woman’s recognition
5.1. Recognition calls for the first of the identification or passport card of a resident for the Republic of Latvia or even a non-citizen of this Republic of Latvia, whose term of credibility is certainly not lower than 5 (five) times through the date of signing the Crediting contract.
5.2. a permanent residence license released because of the workplace of Citizenship and Migration Affairs regarding the Ministry of Interior associated with the Republic of Latvia can be used for recognition of foreigners or stateless individuals. The license is legitimate being a recognition document along with a document on such basis as that your permanent residence license happens to be given and its own validity duration is certainly not smaller compared to Loan repayment period.
5.3. The customer must submit the original identification document as part of the identification process. Whenever identifying a customer, a member of staff of вЂњGandrsвЂќ Ltd. checks the legitimacy amount of your client’s individual document, aesthetically compares the client because of the image regarding the document that is personal verifies whether or not the man or woman’s name and gender suggested into the document correspond into the customer’s gender and perhaps the document holderвЂ™s height (if any) corresponds more or less towards the customer’s height.
5.4. Papers which can be considered to be invalid, faulty papers, documents with modifications, and documents offering increase to suspicion of forgery aren’t accepted for recognition.
5.5. The identification procedure described in this part can also be fully relevant to your identification process that is guarantorвЂ™s.