Example
representative
Choose the type of credit
Loan amount
43.000 lei
Duration of the loan
10 years (120 monthly installments)
Interest
Variable 12.33%* (IRCC + 6.75 percentage points)
Monthly instalment
Starting at 800 lei
APR (Annual Percentage Rate of Charge)
13.21%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
27.019 lei
Total amount to be paid
70.019 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 12.33%* (IRCC + 6.75 percentage points)
Monthly instalment
625 lei
APR (Annual Percentage Rate of Charge)
13.19%
Analysis fee
200 lei
Annual administration fee
0 lei
Total cost of the loan
32.307 lei
Total amount to be paid
75.307 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 9.83%* (IRCC + 4.25 percentage points)
Monthly instalment
Starting at 1,316 lei
APR (Annual Percentage Rate of Charge)
10.58%
Analysis fee
500 lei
Annual administration fee
100 lei
Total cost of the loan
181.597 lei
Total amount to be paid
301.597 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 9.83%* (IRCC + 4.25 percentage points)
Monthly instalment
1.038 lei
APR (Annual Percentage Rate of Charge)
10.53%
Analysis fee
500 lei
Annual administration fee
100 lei
Total cost of the loan
257.864 lei
Total amount to be paid
377.864 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.
