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h) situaţia financiară şi capacitatea de plată a persoanei care constituie o garanție personală (fidejusiune) sau a asigurătorului;
h) financial situation and the ability to pay of the person making a personal guarantee (surety) or of the insurer;
rambursarea creditului poate fi garantată prin gaj al bunurilor mobile şi imobile (ipotecă), prin garanţie bancară, prin fidejusiune şi prin alte modalităţi prevăzute de lege sau în contract.
repayment of the loan can be secured by the pledge of movable and immovable property (mortgage), by a bank guarantee, by surety ship and other means provided by the law or contract.