Reprezintă orice credit contractat de către o persoană fizică în vederea satisfacerii nevoilor peronale ale solicitantului și/sau ale familiei acestuia, pentru care se aduce în garanție un imobil, ipoteca pe creanțe, ipoteca pe un depozit colateral, ipoteca asupra tuturor conturilor curente al împrumutatului/garantului deschise la bancă, cesiunea asigurării de viață și/sau a bunului adus în garanție ( în cazul în care polițele sunt cesionate în favoarea băncii ), scrisoare de garanție bancară.
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