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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
- variable over the entire lending period: 7,19% (IRCC + 4,75 p.p.).

The current IRCC index level taken into account is of 2.44% on the basis of the IVQ 2019 quotation published on December 31, 2019 on the National Bank of Romania website.

Interest changes quarterly on January 1, April 1, July 1, and October 1 of the year, or on the first business day immediately following the first day of the quarter, if the first of the quarter is a non-working day, in accordance with the provisions Emergency Ordinance no. 19/2019 for amending and supplementing some normative acts. The Index is published quarterly by the National Bank of Romania on the Institution's website and is calculated in accordance with the Rules on the calculation and publication of the daily index and of the quarterly reference index regulated by GEO 19/2019.

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

Other cost items not included in the DAE calculation, respectively:
- single commission for services rendered at the client's request, in connection with the development of the loan;
- - registration / extension / modification (as the case may be) and cancellation of the movable security on present and future credit balances of current accounts of the client / codebtors and of debit card accounts of the client at the Electronic Archive for Security Interests in Movable Property.

Loans interests (.pdf)

Loan fees (.pdf)

Examples of calculation - Standard Products (.pdf)