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Useful information
Explanatory guide for credit terms
Costs
Costs
Okay, fine, but... how much is the interest?
It's up to you. You can choose the type of interest on the amount borrowed.
It's good to know that the fixed interest rate is between 6.50% and 18,50%and the calculation below is for information only.
It's good to know that the final offer is personalized and takes into account several elements such as: income collection on BT account, addition of life and unemployment insurance policy, external refinancing, history of relationship with the bank, payment behavior for outstanding installments, etc. a.
Loan in lei
Fixed interest rate
between 6.50% and 17.20%.
Variable interest rate
12,90%* (IRCC + 7.00pp)
Variable interest with life insurance and unemployment
12,40%* (IRCC + 6.50pp)
Loan in lei
Fixed interest rate
between 10.25% and 18.50%
Variable interest rate
13,15%* (IRCC + 7.25pp)
Variable interest with life insurance and unemployment
12,65%* (IRCC + 6.75pp)
Loan in euro
Variable interest rate
10,35%* (EURIBOR6M + 6.50pp)
Variable interest with life insurance and unemployment
9,85%* (EURIBOR6M + 6.00pp)
* In the case of variable interest loans, it consists of the fixed margin of the bank plus the IRCC or EURIBOR benchmark index at 6 months and varies depending on the evolution of the benchmark and exchange rate. The interest rate 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
Credit file analysis (for variable interest loans)
200 lei for loans in lei or 50€ for loans in euro
Credit file analysis (for fixed-rate loans)
200 lei for loans in lei
Annual administration fee
zero lei
Services offered on request
50 lei / service
Registration fee at the RNPM (National Register of Mobile Advertising)
87.6 lei / guarantee
Insurance premium
2.80% of the loan amount, payable in a single instalment when the loan is granted (from own sources or from credit)
Partial/full early repayment fee (for variable interest loans)
0%
Partial/full prepayment fee (for fixed-rate loans)
0.5% of the amount repaid if repayment is made less than 12 months before the due date.
1% of the amount repaid otherwise
1% of the amount repaid otherwise
Representative examples
Loans in RON
Loan amount
43.000 lei
Duration
5 years (60 monthly installments)
Interest
fixed 10.26%
Monthly instalment
1,084 lei
AER (Annual Percentage Rate of Charge)
12,49%
TOTAL COST OF THE LOAN
12,705 lei
TOTAL AMOUNT OF PAYMENT
55,705 lei
* The insurance cost, included in the total cost of the loan, is 1,204 lei.
Loan amount
43.000 lei
Duration
5 years (60 monthly installments)
Interest
fixed 10.26%
Monthly instalment
919 lei
AER (Annual Percentage Rate of Charge)
12,37%
TOTAL COST OF THE LOAN
13,640 lei
TOTAL AMOUNT OF PAYMENT
56,640 lei
* The insurance cost, included in the total cost of the loan, is 1,204 lei.
Loan amount
43.000 lei
Duration
5 years (60 monthly installments)
Interest
variable 12.40%* (IRCC + 6.50pp)
Monthly instalment
1,161 lei
AER (Annual Percentage Rate of Charge)
14,96%
TOTAL COST OF THE LOAN
15,044 lei
TOTAL AMOUNT OF PAYMENT
58,044 lei
* In the case of a personal loan with variable interest rate, it consists of the bank's fixed margin, plus the IRCC benchmark and varies depending on the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The change in the benchmark, as well as the fluctuation of the income, may influence the possibility of paying the loan instalments or the total amount to be paid.
** The cost of the insurance, included in the total cost of the loan, is 1,204 lei.
Loan amount
43.000 lei
Duration
5 years (60 monthly installments)
Interest
variable 12.40%* (IRCC + 6.50pp)
Monthly instalment
965 lei
AER (Annual Percentage Rate of Charge)
14,81%
TOTAL COST OF THE LOAN
16,405 lei
TOTAL AMOUNT OF PAYMENT
59,405 lei
* In the case of a personal loan with variable interest rate, it consists of the bank's fixed margin, plus the IRCC benchmark and varies depending on the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The change in the benchmark, as well as the fluctuation of the income, may influence the possibility of paying the loan instalments or the total amount to be paid.
** The cost of the insurance, included in the total cost of the loan, is 1,204 lei.
Loan in euro
Loan amount
10,000 euros
Duration
5 years (60 monthly installments)
Interest
variable 9.85%* (EURIBOR6M + 6.00pp)
Monthly instalment
249 euro
AER (Annual Percentage Rate of Charge)
12,04%
TOTAL COST OF THE LOAN
2,921 euro
TOTAL AMOUNT OF PAYMENT
12,921 euro
* In the case of a personal loan with variable interest rates, it consists of the bank's fixed margin plus the EURIBOR 6M benchmark and varies according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the EURIBOR 6M monetary index. The change in the benchmark, as well as the fluctuation of the income, may influence the possibility of paying the loan instalments or the total amount to be paid.
** The cost of insurance, included in the total cost of the loan, is 280 euros.
Loan amount
10,000 euros
Duration
5 years (60 monthly installments)
Interest
variable 9.85%* (EURIBOR6M + 6.00pp)
Monthly instalment
212 euro
AER (Annual Percentage Rate of Charge)
11,92%
TOTAL COST OF THE LOAN
3,122 euro
TOTAL AMOUNT OF PAYMENT
13,122 euro
* In the case of a personal loan with variable interest rates, it consists of the bank's fixed margin plus the EURIBOR 6M benchmark and varies according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the EURIBOR 6M monetary index. The change in the benchmark, as well as the fluctuation of the income, may influence the possibility of paying the loan instalments or the total amount to be paid.
** The cost of insurance, included in the total cost of the loan, is 280 euros.
Credit interest rate benchmarks
See guide
