Example
representative
Choose the type of credit
Personal loan secured by a mortgage in lei, variable interest, if you receive the proceeds in a BT account (decreasing rates)
Loan amount
100.000 lei
Duration of the loan
5 years (60 monthly installments)
Interest
Variable 10.31%* (IRCC + 4.75 percentage points)
Monthly instalment
Starting at 2,526 lei
APR (Annual Percentage Rate of Charge)
11.71%
Analysis fee
500 lei
Annual administration fee
150 lei
Total cost of the loan
28.118 lei
Total amount to be paid
128.118 lei
*In the case of personal loans secured by a variable-rate mortgage, 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 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 loan secured by a mortgage in lei, variable interest, if you receive the proceeds in a BT account (equal installments)
Loan amount
100.000 lei
Duration of the loan
5 years (60 monthly installments)
Interest
Variable 10.31%* (IRCC + 4.75 percentage points)
Monthly instalment
2.140 lei
APR (Annual Percentage Rate of Charge)
11.64%
Analysis fee
500 lei
Annual administration fee
150 lei
Total cost of the loan
30.313 lei
Total amount to be paid
130.313 lei
*In the case of personal loans secured by a variable-rate mortgage, 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 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 loan secured by a euro mortgage, variable interest rate, if you receive the proceeds in a BT account (decreasing rates)
Loan amount
25.000 euro
Duration of the loan
5 years (60 monthly installments)
Interest
Variable 7.82%* (6-month EURIBOR + 5.25 percentage points)
Monthly instalment
Starting at €580
APR (Annual Percentage Rate of Charge)
9.86%
Analysis fee
100 euro
Annual administration fee
30 euro
Total cost of the loan
5,881 euros
Total amount to be paid
30,881 euros
*In the case of personal loans secured by a variable-rate mortgage, the variable interest rate is made up of the bank's fixed margin plus the EURIBOR6M reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis, according to the EURIBOR6M monetary index. Variations in the reference index and fluctuations in income may affect your ability to pay the loan repayments or the total amount payable.
Euro mortgage-backed personal loan, variable interest, if you receive the proceeds in a BT account (equal installments)
Loan amount
25.000 euro
Duration of the loan
5 years (60 monthly installments)
Interest
Variable 7.82%* (6-month EURIBOR + 5.25 percentage points)
Monthly instalment
505 euros
APR (Annual Percentage Rate of Charge)
9.76%
Analysis fee
100 euro
Annual administration fee
30 euro
Total cost of the loan
6,197 euros
Total amount to be paid
31,197 euros
*In the case of personal loans secured by a variable-rate mortgage, the variable interest rate is made up of the bank's fixed margin plus the EURIBOR6M reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis, according to the EURIBOR6M monetary index. Variations in the reference index and fluctuations in income may affect your ability to pay the loan repayments or the total amount payable.
