Shopping cards
Cards in lei
The Youth Card
Useful information
Explanatory guide for credit terms
Credit for Studies
Costs
Okay, fine, but... how much is the interest?
It's up to you. You can choose the type of interest for the amount borrowed.
Variable interest in lei
13.65%* (IRCC + 7.75pp)
Variable interest in euro
10.85%* (EURIBOR6M + 7.00pp)
* Loans granted with a security mortgage up to 10 years.
Loans granted with a chattel mortgage for up to 10 years.
Variable interest in lei
14.65%* (IRCC + 8.75pp)
Variable interest in euro
11.85%* (EURIBOR6M + 8.00pp)
Loans granted with chattel mortgages up to 20 years.
Variable interest in lei
9.90%* (IRCC + 4.00pp)
Variable interest in euro
10.35%* (EURIBOR6M + 6.50pp)
What other costs does this loan entail?
Because we want to build a relationship based on transparency and trust, we want you to know that we have certain commissions. It's normal to know them and know about them.
Commission
Value
Analysis of the credit file in lei
200 lei for mortgage loan up to 10 years
400 lei for the mortgage loan up to 20 years
Analysis of the credit file in euro
50 euro for mortgage loan up to 10 years
100 euro for mortgage loan up to 20 years
Management fee
0 lei for mortgage loan up to 10 years
150 lei for the mortgage loan up to 20 years
Services offered on request
50 lei / service
Registration fee at the RNPM (National Register of Mobile Advertising)
87.60 lei / warranty
Property valuation fee
500 lei / apartment, 750 lei / house, land and constructions
Insurance premium
0.10% of the value of the real estate
Work and Travel Costs
Okay, fine, but... how much is the interest?
It's up to you. You can choose the type of interest for the amount borrowed.
Interest in lei
Fixed interest rate 9.00%
Interest in euro
Fixed interest rate 8.00%
Interest in lei
Fixed interest rate 10.00%
Interest in euro
Fixed interest rate 9.00%
What other costs does this loan entail?
Because we want to build a relationship based on transparency and trust, we want you to know that we have certain commissions. It's normal to know them and know about them.
Commission
Value
Credit file analysis
200 lei for the loan in lei
50 euro for the loan in euro
Services offered on request
50 lei / service
Registration fee at the RNPM (National Register of Mobile Advertising)
87.60 lei / warranty
Property valuation fee
500 lei / apartment, 750 lei / house, land and constructions
Insurance premium
0.10% of the value of the real estate
Representative examples
Loan amount
200.000 lei
Duration of the loan
12.50 years (150 monthly instalments)
Interest
variable 9.90%* (IRCC + 4.00pp)
Monthly instalment
2,146 lei
AER (Annual Percentage Rate of Charge)
10,58%
TOTAL COST OF THE LOAN
188,785 lei
TOTAL AMOUNT PAYABLE
388,785 lei
Loan amount
200.000 lei
Duration of the loan
12.50 years (150 monthly instalments)
Interest
variable 9.90%* (IRCC + 4.00pp)
Monthly instalment
From 2.772 lei
AER (Annual Percentage Rate of Charge)
10,60%
TOTAL COST OF THE LOAN
152,968 lei
TOTAL AMOUNT PAYABLE
352,968 lei
Loan amount
39.000 lei
Duration of the loan
5 years (60 monthly installments)
Interest
variable 13.65%* (IRCC + 7.75pp)
Monthly instalment
902 lei
AER (Annual Percentage Rate of Charge)
14,88%
TOTAL COST OF THE LOAN
15,396 lei
TOTAL AMOUNT PAYABLE
54,396 lei
Loan amount
39.000 lei
Duration of the loan
5 years (60 monthly installments)
Interest
variable 13.65%* (IRCC + 7.75pp)
Monthly instalment
From 1.095 lei
AER (Annual Percentage Rate of Charge)
14,90%
TOTAL COST OF THE LOAN
13,887 lei
TOTAL AMOUNT PAYABLE
52,887 lei
* For variable interest loans, the interest rate consists of the fixed margin of the bank plus the IRCC or EURIBOR benchmark index at 6 months and varies depending on the evolution of the benchmark and exchange rate. It is important to know that the variation of the benchmark index, the fluctuation of income, as well as the change in the exchange rate can influence the possibility of paying the loan installments or the total amount of payment.
