Beneficii
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  • Zero down payments
  • Zero fees for analysis
  • If you choose the variable rate you will receive free life and unemployment insurance
  • Grace period up to 12 months
  • No income certificate if your income is registered with ANAF
  • If you apply for a refinancing, you may receive extra money
WHAT WOULD THE RATES BE?

Now it's easy to finance all your plans, including refinancing old loans. With the CEC Bank personal loan you can receive/refinance up to 90.000 lei and you will get a fixed yearly rate of just 10.40%. If you choose a variable 10,40% yearly rate you will receive free life and unemployment insurance.

Borrowed value:
Repayment time:
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Creditul de nevoi personale with variable interest
0
%
Interest *:
First Rate:
DAE:
-
IRCC:
-
Monthly Administrative Commission:
-
Analysis commission:
-
Total refund:
-
Creditul de nevoi personale with fixed interest
0
%
Interest*:
First Rate:
DAE:
-
Month Administrative Commission:
-
Analysis commission:
-
Total rambursare:
-

* Consists of fixed margin + IRCC


At the request of customers, the Bank may grant in euro only in the institution in which they prove their income in euro.

Recurring income is collected in the account and the account is used for payments or transfers, other than transfers between own accounts / debiting installments / debiting commissions.
Recurrent income means income (eg salary, pension, rent, etc.) Received monthly in the account, at least 3 consecutive months, amounting to at least 70 lei / month / account. Recurring gambling proceeds are not considered recurring income.

  • Currency: LEI 
  • The maximum amount you can get is: 90.000 lei
  • The set payback period: 5 years, or 7 years for refinancing contracted before 08.07.2020
  • Free consultancy in preparing the necessary paperwork
  • Free life and unemployment insurance if you choose the variable rate
  • Feeling burdened by many monthly loan fees? You can refinance them using CEC Bank Personal Loan
  • Free access to the loan’s status and current operations via Internet Banking and Mobile Banking

You can apply to the personal loan if:

  • You are a Romanian citizen
  • You had a fixed income in the past 3 months
  • You have a good payment history
  • You are 18 and you will be at most 70 at the end of the loan payment schedule
     

Discover all the Personal Loan costs

  • Fixed 10.40% yearly interest rate or variable 9,61% yearly rate (IRCC + 7,20 p.p.)
  • Zero fees for analysis
  • Monthly administration fees: 20 lei 
  • Anticipated repayment fees: 
  • Fast personal loan with variable rate: Zero 
  • Fast personal loan with fixed rate: 1% for the remaining period > 1 year; 0,5% for the remaining period < 1 year. 

Loans interests

 

Loan fees

 

Examples of calculation - Standard Products

 

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