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Maximum amount granted: EUR 30,000, equivalent in LEI

Grace period determined according to the loan period

For the calculation of net income, all certain, permanent incomes of the family to be received during the lending period can be taken into account.

This loan is granted to natural persons with age above 18 years, obtaining certain and permanent incomes during the lending period.

Loan destination: purchase of a new or second hand car, but not older than 5 years

Maximum age on the date established for full reimbursement of the loan: 70 years

Currency: LEI

Lending period: max. 5 years

Maximum grace period:
a) 60 calendar days, for loans granted on short term
b) 90 calendar days, for loans granted on medium term

Loan level: maximum 80% of the car full value

Own contribution: minimum 20% of the car full value

Real moveable securities:
- pledge on moveable assets

Interest rate
- floating rate: 7.77% (ROBOR 3M + 4.75 p.p.)

The currently considered ROBOR 3M interest level is 3.02%, valid on 3 January 2019.

The ROBOR 3M interest level is being quarterly modified, according to the National Bank of Romania (NBR) established quota, on the 1st January, the 1st April, the 1st July and the 1st October of each year, or on the first banking day following right after the first 1st of the quarter, if the 1st of the quarter is not a banking day.

The valid value of the indices at the modification date is published by the related regulatory organization, two working days prior.

File analysis fee: 250 lei
Early reimbursement fee: 0
Loan management fee: 20 lei (monthly, in fixed amount)

Other cost elements that are not taken into account of DAE, respectively:
- sole commission for services performed at the customer’s request related to the deployment of the loan;
- registration/extension/modification (by case) and cancellation of the pledge on the present and future credit balances of the current accounts of the customers/co-debtors and of the customer’s debit card accounts at the Electronic Archive of Security Interests.

Loans interests (.pdf)

Loan fees (.pdf)

Examples of calculation - Standard Products (.pdf)