Protection measures
Deferral of loan instalment payment

Protect yourself, your loved ones and the entire community

Limiting the spread of the new coronavirus is the responsibility of each of us.

Use online channels and card payments

  • Use Vista Internet and Mobile Banking applications for your daily needs; thus, you avoid trips to the bank and do not expose yourself to risks;
  • Pay by card and avoid cash handling.

Follow the measures taken by the authorities to combat the new coronavirus

Cancel your visit to the branch and apply immediately the measures announced by authorities (quarantine or self-isolation) if:

  • you traveled to risk areas(find out where are these areas on the National Institute of Public Health Romania: www.cnscbt.ro);
  • you have symptoms of the new coronavirus (fever, cough, respiratory difficulties, muscle pain);
  • you have come into direct contact with a person suspected of being infected.

Interaction in Vista Bank units

According to the legislation in force during the alert state:
  • Entry into the unit is allowed only if you wear a protective mask to cover your nose and mouth, as well as if your body temperature measured at the entrance into the premises does not exceed 37.3° Celsius. The temperature will be measured using a non-contact infrared thermometer.
  • The access into the unit is allowed to a maximum of 3 customers simultaneously, in order to ensure each person a minimum area of 4 square meters.
  • Keep a distance of at least 2 meters from any other person.
  • For the customers and bank staff safety, the Bank will periodically disinfect exposed surfaces.

Thank you,
Vista Bank Team

The deferral of loan instalments, according to GEO 37/2020 providing certain measures with respect to the loans granted by credit institutions and non-bank financial institutions to certain categories of debtors and the respective Enforcement Guidelines (hereinafter referred to as applicable legal provisions), is granted to the clients of the bank, individuals and legal entities who have ongoing credits at the date the above mentioned legal provisions entered into force.

A. Deferral of loan instalment payment for individuals
B. Deferral of loan instalment payment for legal entities

The bank’s individual clients who fulfill the conditions provided by the applicable law, have the possibility to send to the bank, until June 15th, 2020, the request to benefit from the deferral of loan instalments for a period between 1 and 9 months, without exceeding December 31, 2020, by the following methods:

  • e-mail: infovistabank.ro;
  • phone call to +4021.222.33.10;
  • mail, to the address provided in the credit agreement;
  • submission of the request in the unit network.

The request must include the credit holder's affidavit that his/her income has been directly or indirectly affected, according to the applicable legal provisions, as well as the following identification data:

  • First and last name;
  • Personal Identity Number (Social Security Number);
  • Phone number;
  • E-mail Address;
  • The unit through which the credit was contracted;
  • Credit type: secured (with motgage)/unsecured (personal needs);
  • The number of deferred instalments requested.

The Bank will analyze the requests received under the conditions provided by the applicable law. In order to fulfill the legal requirements, the Bank processes (when the case) special categories of personal data (health data), according to art. 9, paragraph 2, letter g) of Regulation (EU) 2016/679 of the European Parliament and of the Council on the protection of individuals with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation), respectively: "processing is necessary for reasons of major public interest".

During the deferred payment period the interest will be calculated and it will be recovered after the deferred payment period as follows:

  • In the case of mortgage loans: by dividing to maximum 60 months;
  • For other loans: by capitalizing on the loan outstanding balance and dividing to the remaining credit period.

The lending period will be extended by the deferred payment period, except for the case of individuals for whom the extension of the loans maturity exceeds the maximum age limit accepted for granting the loan, in which case the loan will be restructured to respect the maximum age limit.

The bank’s clients legal entities who fulfill the conditions provided by the applicable law, have the possibility to send to the bank, within 45 days from the date of law’s entry into force, namely until May 15th, 2020, the request to benefit from the deferral of loan instalments for a period between 1 and 9 months, without exceeding December 31, 2020, by the following methods:

  • e-mail: infovistabank.ro or to the relationship manager;
  • phone call to +4021.222.33.10;
  • mail, to the address provided in the credit agreement;
  • submission of the request in the unit network.

The application must also include the following identification data:

  • Company name;
  • Unique Registration Code (CUI);
  • Phone number;
  • E-mail Address;
  • Credit type;
  • The number of deferred instalments requested.

The Bank will analyze the requests received under the conditions provided by the applicable law.

I need a current account.
SEE MORE
I want a house.
SEE MORE
My business needs funding.
SEE MORE
I want to save money.
SEE MORE
When a business is active 24h.
Even in weekends.
Try the new generation of online banking - Vista Internet and Mobile Banking.
Modern solutions for your personal and business needs.
SEE MORE
Customer Service
Our dedicated officers are available 24/7.
CONTACT US
Open an account
Open your account and we will open the finance world for you.
NEW ACCOUNT
Mortgage
A home for your family.
ASK FOR AN OFFER
At Vista Bank, we put an equal mark between human and professional interaction. Dialogue between you and the bank means, in fact, dialogue between people. Every day we aim to be the important bank in your life and business. To be closer, faster, stronger. To capitalize on our experience and partnership to build, together, future opportunities. With us, your projects are always in good hands.

Because we make banking human.

At your disposal,

Vista Bank
#closer #faster #stronger