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Explanatory guide for credit terms
Personal loan secured by mortgage
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
10,65%* (IRCC + 4.75pp)
Interest in euro
9,10%* (EURIBOR6M + 5.25pp)
Interest in lei
11,15%* (IRCC + 5.25pp)
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
Credit in lei: 400 lei
Credit in euro: 100 euro
Credit in euro: 100 euro
Annual administration fee
150 lei / year
One-off fee for services provided on request
100 lei / service
Real estate valuation fee
575 lei for apartment / 860 lei for house, villa, land and constructions
Real estate insurance
It is compulsory, we offer you the possibility to conclude the insurance without any further trips to the bank
Registration fee at the RNPM (National Register of Mobile Advertising)
87,60 lei for each guarantee
Partial/full early repayment fee
0%
Representative examples
Loans in RON
Loan amount
100.000 lei
Duration
5 years (60 monthly installments)
Interest
variable 10.65%* (IRCC + 4.75pp)
Monthly instalment
2,554 lei
AER (Annual Percentage Rate of Charge)
12,07%
TOTAL COST OF THE LOAN
28,881 lei
TOTAL AMOUNT OF PAYMENT
128,881 lei
Loan amount
100.000 lei
Duration
5 years (60 monthly installments)
Interest
variable 10.65%* (IRCC + 4.75pp)
Monthly instalment
2,157 lei
AER (Annual Percentage Rate of Charge)
12,00%
TOTAL COST OF THE LOAN
31,222 lei
TOTAL AMOUNT OF PAYMENT
131,222 lei
Loan amount
25.000 euro
Duration
5 years (60 monthly installments)
Interest
variable 9.10%* (EURIBOR6M + 5.25pp)
Monthly instalment
606 euro
AER (Annual Percentage Rate of Charge)
11,32%
TOTAL COST OF THE LOAN
6,695 euro
TOTAL AMOUNT OF PAYMENT
31,695 euro
Loan amount
25.000 euro
Duration
5 years (60 monthly installments)
Interest
variable 9.10%* (EURIBOR6M + 5.25pp)
Monthly instalment
520 euro
AER (Annual Percentage Rate of Charge)
11,20%
TOTAL COST OF THE LOAN
7,124 euro
TOTAL AMOUNT OF PAYMENT
32,124 euro
* In the case of personal loans secured by mortgage, the variable interest rate is made up of the bank's fixed margin plus the IRCC or EURIBOR 6M benchmark and varies depending on the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index or EURIBOR 6M. The change in benchmarks as well as the fluctuation of revenues may influence the possibility of paying the loan instalments or the total amount payable.
