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</html><description>Garantiile personale reprezinta aranjamentele agentilor economici si persoane fizice prin care acestia se obliga sa suporte datoriile debitorilor catre banca pentru creditele acordate. Acest tip de garantie mai poarta denumirea de cautiune sau fidejusiune si este valabil daca sunt indeplinite urmatoarele conditii: &#xF096;sa existe un contract separat prin care o persoana fizica sau juridica se [&hellip;]</description></oembed>
