Useful information
Explanatory guide for credit terms
This page is automatically translated from Romanian into English.
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 is between 8.40% 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
Loan in lei
Loan in euro
* 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.
Loans in RON
* The insurance cost, included in the total cost of the loan, is 1,204 lei.
* The insurance cost, included in the total cost of the loan, is 1,204 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.
* 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
* 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.
* 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.