In the field of lending, the banking activity is based on the general principles of banking prudence. At the basis of granting bank loans is the bank lending contract, which represents the document concluded between the bank and its customers on the one hand, as well as the act of will between the two parties: the bank and the customers. As the case may be, the clients of the bank can be: individual clients and legal entities. The bank credit agreement precedes the granting of the amounts of the approved loan. The bank credit agreement contains in its structure general clauses and specific clauses regarding all lending operations, the costs of the bank loan contracted, the mortgages as well as the guarantees established by the banks in the charge of its customers when the situation requires it. Also, in the bank lending agreement must be found in a simple, clear, precise and transparent way all the terms of the contract. The extent of the legal effects produced by the bank lending agreement is until the bank fully recovers the amount granted as a loan plus the accessories that materialize in bank interest, bank fees, other fees and insurances. Extinguishment of the effects of the bank lending contract is conditioned by the full recovery of the debts. The purpose of this research represents the practical identification of the way of presentation and the content of the specific clauses of the bank lending contracts in the current period and the effects they produce.