Example
representative
Choose the type of credit
Loan amount
50.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.08%* (IRCC + 6.50 percentage points)
Monthly instalment
Starting at 920 lei
APR (Annual Percentage Rate of Charge)
12.91%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
30.740 lei
Total amount to be paid
80.740 lei
*In the case of current loans for real estate purposes with variable interest rate, 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 rate 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.
Loan amount
50.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.08%* (IRCC + 6.50 percentage points)
Monthly instalment
720 lei
APR (Annual Percentage Rate of Charge)
12.89%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
36.649 lei
Total amount to be paid
86.649 lei
*In the case of current loans for real estate purposes with variable interest rate, 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 rate 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.
Loan amount
80.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.08%* (IRCC + 6.50 percentage points)
Monthly instalment
Starting at 1,472 lei
APR (Annual Percentage Rate of Charge)
12.86%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
49.011 lei
Total amount to be paid
129.011 lei
*In the case of current loans for real estate purposes with variable interest rate, 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 rate 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.
Loan amount
80.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.08%* (IRCC + 6.50 percentage points)
Monthly instalment
1.151 lei
APR (Annual Percentage Rate of Charge)
12.85%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
58.465 lei
Total amount to be paid
138.465 lei
*In the case of current loans for real estate purposes with variable interest rate, 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 rate 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.
