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The Youth Card
Patient Loan
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
12,65%* (IRCC + 6.75pp)
Interest in euro
10,35%* (EURIBOR6M + 6.50pp)
Interest in lei
10,15%* (IRCC + 4.25pp)
Interest in euro
9,35%* (EURIBOR6M + 5.50pp)
* The interest rate consists of the bank's fixed margin plus the ircc or euribor reference index at 6 months and varies depending on the evolution of the reference index and the exchange rate. The interest will be updated and modified by the bank quarterly, depending on the IRCC or EURIBOR monetary index at 6 months.
What other costs does this loan entail?
Because we want to have a relationship based on transparency and trust, you need to know that we have certain fees. It's normal to know them.
Commission
Value
File analysis
200 lei / 50 euro for the Patient loan without mortgage,
400 lei / 100 euro for the Patient loan secured by a mortgage
400 lei / 100 euro for the Patient loan secured by a mortgage
One-off fee for services provided on request
50 lei / service, for the Patient credit without mortgage,
100 lei for the Patient loan secured by a mortgage
100 lei for the Patient loan secured by a mortgage
Annual credit management fee
zero lei for the Patient loan without mortgage,
100 lei for the loan Patient in lei with mortgage,
zero lei for the Patient loan in euros with a mortgage
100 lei for the loan Patient in lei with mortgage,
zero lei for the Patient loan in euros with a mortgage
Advance refund fee
zero lei
Compulsory real estate insurance
You can do it right with us, without any other trips to the bank
Real estate valuation fee
500 lei for apartment / 750 lei for house, villa, land and construction
Registration fee at the RNPM (National Register of Mobile Advertising)
87,60 lei for each guarantee
Representative examples
Loan amount
43.000 lei
Duration
10 years (120 monthly installments)
Interest
variable 12.65%* (IRCC + 6.75pp)
Monthly instalment
812 lei
AER (Annual Percentage Rate of Charge)
13,57%
TOTAL COST OF THE LOAN
27,712 lei
TOTAL AMOUNT OF PAYMENT
70,712 lei
Loan amount
43.000 lei
Duration
10 years (120 monthly installments)
Interest
variable 12.65%* (IRCC + 6.75pp)
Monthly instalment
633 lei
AER (Annual Percentage Rate of Charge)
13,55%
TOTAL COST OF THE LOAN
33,271 lei
TOTAL AMOUNT OF PAYMENT
76,271 lei
Loan amount
120.000 lei
Duration
30 years (360 monthly installments)
Interest
variable 10.15%* (IRCC + 4.25pp)
Monthly instalment
1,348 lei
AER (Annual Percentage Rate of Charge)
10,92%
TOTAL COST OF THE LOAN
187,272 lei
TOTAL AMOUNT OF PAYMENT
307,272 lei
Loan amount
120.000 lei
Duration
30 years (360 monthly installments)
Interest
variable 10.15%* (IRCC + 4.25pp)
Monthly instalment
1,066 lei
AER (Annual Percentage Rate of Charge)
10,87%
TOTAL COST OF THE LOAN
267,974 lei
TOTAL AMOUNT OF PAYMENT
387,974 lei
* In the case of patient loans with variable interest rate, it consists of the bank's fixed margin, plus the IRCC benchmark and varies depending on the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The change in the benchmark, as well as the fluctuation of the income, may influence the possibility of paying the loan instalments or the total amount to be paid.
