Example
representative
Choose the type of credit
Loan amount
43.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.81%* (IRCC + 6.75pp)
Monthly instalment
Starting from 817 lei
APR (Annual Percentage Rate of Charge)
13.75%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
28.060 lei
Total amount to be paid
71.060 lei
*In the case of variable-rate patient loans, 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 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
43.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.81%* (IRCC + 6.75pp)
Monthly instalment
637 lei
APR (Annual Percentage Rate of Charge)
13.73%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
33.755 lei
Total amount to be paid
76.755 lei
*In the case of variable-rate patient loans, 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 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
120.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Variable 10.31%* (IRCC + 4.25pp)
Monthly instalment
Starting from 1.364 lei
APR (Annual Percentage Rate of Charge)
11.11%
Analysis fee
500 lei
Annual administration fee
100 lei
Total cost of the loan
190.261 lei
Total amount to be paid
310.261 lei
*In the case of variable-rate patient loans, 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 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
120.000 lei
Duration of the loan
30 years (360 monthly installments)
Interest
Variable 10.31%* (IRCC + 4.25pp)
Monthly instalment
1.081 lei
APR (Annual Percentage Rate of Charge)
11.05%
Analysis fee
500 lei
Annual administration fee
100 lei
Total cost of the loan
273.202 lei
Total amount to be paid
393.202 lei
*In the case of variable-rate patient loans, 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 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.
