Example
representative
Choose the type of credit
Personal housing loan in lei, variable interest, if you receive the proceeds in a BT account (decreasing installments)
Loan amount
50.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.06%* (IRCC + 6.50 percentage points)
Monthly instalment
Starting at 919 lei
APR (Annual Percentage Rate of Charge)
12.89%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
30.689 lei
Total amount to be paid
80.689 lei
*In the case of current loans for real estate purposes with variable interest rate, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis, according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
Personal housing loan in lei, variable interest if you receive the proceeds in a BT account (equal installments)
Loan amount
50.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.06%* (IRCC + 6.50 percentage points)
Monthly instalment
719 lei
APR (Annual Percentage Rate of Charge)
12.87%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
36.579 lei
Total amount to be paid
86.579 lei
*In the case of current loans for real estate purposes with variable interest rate, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis, according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
Personal housing loan in lei, variable interest, if you receive the proceeds in a BT account (decreasing installments)
Loan amount
80.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.06%* (IRCC + 6.50 percentage points)
Monthly instalment
Starting at 1,471 lei
APR (Annual Percentage Rate of Charge)
12.84%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
48.930 lei
Total amount to be paid
128.930 lei
*In the case of current loans for real estate purposes with variable interest rate, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis, according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
Personal housing loan in lei, variable interest if you receive the proceeds in a BT account (equal installments)
Loan amount
80.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.06%* (IRCC + 6.50 percentage points)
Monthly instalment
1.151 lei
APR (Annual Percentage Rate of Charge)
12.83%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
58.354 lei
Total amount to be paid
138.354 lei
*In the case of current loans for real estate purposes with variable interest rate, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis, according to the IRCC monetary index. Changes in the reference index and fluctuations in income may affect the ability to pay the loan installments or the total amount payable.
