- The maximum amount you can get is 1.200.000 lei
- Zero down payments
- Free access in the first 3 months to the loan’s status (sold, interests, payments) and current operations (payments, deposits) via Internet Banking and Mobile Banking
- No documents required that justify the use
- Grace period up to 180 days and 360 days for refinancing
- If you apply for a refinancing, you may receive extra money
When the loans get over your head, the Personal Loan with Mortgage will help you get a better financing to finish all your plans. Choose the Personal Loan with Mortgage and you can receive the loan you need. More than that, you may use it as you please: for investments or refinancing loanss in better conditions.
*Formata din marja fixa + IRCC
La solicitarea clientilor, Banca poate acorda credite in euro numai in situatia in care acestia dovedesc obtinerea veniturilor in euro.
In cont sunt incasate venituri recurente si contul este utilizat pentru plati sau transferuri, altele decat transferuriintre conturile proprii/debitari comisioane.
Venit recurent inseamna venitul (ex. salariu, pensie, chirie etc.) incasat lunar in cont, cel putin 3 luni consecutive, in valoare de minim 700 lei/luna. Nu se considera venit recurent incasarile provenite
din jocuri de noroc.
- Currency: LEI (LEI/EUR for refinancing)
- The maximum amount you can get is: 1.200.000 lei, for refinancing may vary depending on the repayment capacity
- The set payback period: 5 years or 15 years for refinancing of Personal Loans with Mortgage contracted before 08.07.2020
- Zero down payments
You can apply to the Personal loan/refinancing with Mortgage if:
- You are a Romanian citizen
- You had a fixed income in the past 3 months
- You have a good payment history
- You own immovable property that can be taken into warranty and you have a natural calamity insurance for the mortgaged property
- You are 18 and you will be at most 75 at the end of the loan payment schedule
- Personal loan with Mortgage: variable yearly interest rate of 6,91% (IRCC + 4,50 p.p.)
- Refinancing personal Loan with Mortgage: 6,41% yearly for lei (IRCC + 4,00 p.p.) or 7,21% yearly for euro (EURIBOR 6M+7,50%)
- Analysis fee: 500 lei or 250 lei/100 for refinancing
- Monthly administration fee, appliable to the current amount: 0,04% or 0,05% for refinancing
- Zero anticipated repayment fees
- Unique fee for customer requested services: 400 lei