Example
representative
Choose the type of credit
Student loan in lei with real estate guarantee (equal installments)
Loan amount
200.000 lei
Duration of the loan
12 years and 6 months (150 installments)
Interest
variabilă 9,56%* (IRCC + 4,00pp)
Monthly instalment
2.290 lei
APR (Annual Percentage Rate of Charge)
10,25%
Analysis fee
500 lei
Annual administration fee
150 lei/year
Total cost of the loan
146.499 lei
Total amount to be paid
346.499 lei
*For variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies according to the evolution of the reference index and the exchange rate. It is important to be aware that changes in the reference index, fluctuations in income and changes in the exchange rate can affect your ability to pay the loan repayments or the total amount to be paid.
Student loan in lei with real estate collateral (decreasing installments)
Loan amount
200.000 lei
Duration of the loan
12 years and 6 months (150 installments)
Interest
variable 9.56%* (IRCC + 4.00 percentage points)
Monthly instalment
starting at 2,927 lei
APR (Annual Percentage Rate of Charge)
10,29%
Analysis fee
500 lei
Annual administration fee
150 lei/year
Total cost of the loan
123.399
Total amount to be paid
323.399
*For variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies according to the evolution of the reference index and the exchange rate. It is important to be aware that changes in the reference index, fluctuations in income and changes in the exchange rate can affect your ability to pay the loan repayments or the total amount to be paid.
Student loan in lei, variable interest, without mortgage (equal installments)
Loan amount
39.000 lei
Duration of the loan
5 years (60 installments)
Interest*
variable 13.31%* (IRCC + 7.75 percentage points)
Monthly instalment
894 lei
DAE (Dobândă anuală efectivă)
14,43%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
14.903 lei
Total amount to be paid
53.903 lei
*For variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies according to the evolution of the reference index and the exchange rate. It is important to be aware that changes in the reference index, fluctuations in income and changes in the exchange rate can affect your ability to pay the loan repayments or the total amount to be paid.
Student loan in lei, without mortgage guarantee (decreasing installments)
Loan amount
39.000 lei
Duration of the loan
5 years (60 installments)
Interest*
variable 13.31%* (IRCC + 7.75 percentage points)
Monthly instalment
starting at 1,083 lei
APR (Annual Percentage Rate of Charge)
14,46%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
13.482 lei
Total amount to be paid
52.482 lei
*For variable-rate loans, the interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies according to the evolution of the reference index and the exchange rate. It is important to be aware that changes in the reference index, fluctuations in income and changes in the exchange rate can affect your ability to pay the loan repayments or the total amount to be paid.
Work&Travel credit in lei, with fixed interest if you receive your earnings in a BT account (equal installments)
Loan amount
17.000 lei
Duration of the loan
2 years (24 installments)
Interest
9%
Monthly instalment
777 lei
APR (Annual Percentage Rate of Charge)
10,67%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
1.927 lei
Total amount to be paid
18.927 lei
Work&Travel loan in lei, with fixed interest, if you receive your income in a BT account (decreasing rates)
Loan amount
17.000 lei
Duration of the loan
2 years (24 installments)
Interest
9%
Monthly instalment
starting from 836 lei
APR (Annual Percentage Rate of Charge)
10,71%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
1.881 lei
Total amount to be paid
18.881 lei
Work&Travel euro fixed-rate Work&Travel credit if you receive your earnings in a BT account (equal installments)
Loan amount
3.500 euro
Duration of the loan
2 years (24 installments)
Interest
8%
Monthly instalment
160 euro
APR (Annual Percentage Rate of Charge)
10,95%
Analysis fee
50 euro
Annual administration fee
0 lei
Total cost of the loan
405 euro
Total amount to be paid
3 905 euro
Work&Travel euro fixed-rate Work&Travel loan, if you receive your earnings in a BT account (decreasing rates)
Loan amount
3.500 euro
Duration of the loan
2 years (24 installments)
Interest
8%
Monthly instalment
from 172 euro
APR (Annual Percentage Rate of Charge)
11%
Analysis fee
50 euro
Annual administration fee
0 lei
Total cost of the loan
395 euro
Total amount to be paid
3 895 euro
