Example
representative
Choose the type of credit
Loan amount
43.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.43%* (IRCC + 6.75pp)
Monthly instalment
Starting at 804 lei
APR (Annual Percentage Rate of Charge)
13.32%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
27.236 lei
Total amount to be paid
70.236 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 12.43%* (IRCC + 6.75pp)
Monthly instalment
628 lei
APR (Annual Percentage Rate of Charge)
13.3%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
32.608 lei
Total amount to be paid
75.608 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 9.93%* (IRCC + 4.25pp)
Monthly instalment
Starting at 1,326 lei
APR (Annual Percentage Rate of Charge)
10.69%
Analysis fee
500 lei
Annual administration fee
100 lei
Total cost of the loan
183.402 lei
Total amount to be paid
303.402 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 9.93%* (IRCC + 4.25pp)
Monthly instalment
1.047 lei
APR (Annual Percentage Rate of Charge)
10.63%
Analysis fee
500 lei
Annual administration fee
100 lei
Total cost of the loan
261.049 lei
Total amount to be paid
381.049 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.
