Example
representative
Choose the type of credit
Patient loan in lei, variable interest, no mortgage (decreasing installments)
Loan amount
43.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.31%* (IRCC + 6.75 percentage points)
Monthly instalment
Starting at 799 lei
APR (Annual Percentage Rate of Charge)
13.19%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
26.976 lei
Total amount to be paid
69.976 lei
*In the case of variable-rate patient loans, 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.
Patient loan in lei, variable interest, without mortgage (equal installments)
Loan amount
43.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.31%* (IRCC + 6.75 percentage points)
Monthly instalment
625 lei
APR (Annual Percentage Rate of Charge)
13.17%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
32.247 lei
Total amount to be paid
75.247 lei
*In the case of variable-rate patient loans, 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.
Patient loan in lei, variable interest, with mortgage (decreasing installments)
Loan amount
120.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Variable 9.81%* (IRCC + 4.25 percentage points)
Monthly instalment
Starting at 1,314 lei
APR (Annual Percentage Rate of Charge)
10.55%
Analysis fee
500 lei
Annual administration fee
100 lei
Total cost of the loan
181.236 lei
Total amount to be paid
301.236 lei
*In the case of variable-rate patient loans, 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.
Patient loan in lei, variable interest, with mortgage (equal installments)
Loan amount
120.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Variable 9.81%* (IRCC + 4.25 percentage points)
Monthly instalment
1.036 lei
APR (Annual Percentage Rate of Charge)
10.5%
Analysis fee
500 lei
Annual administration fee
100 lei
Total cost of the loan
257.218 lei
Total amount to be paid
377.218 lei
*In the case of variable-rate patient loans, 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.
