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No file analysis fee
 
Without advance

Quick grant 

When calculating the net income one may take into account all certain income with a character of permanence throughout the crediting period

The possibility to use Internet Banking to view loan situation (balance, interest rates)

CEC Bank offers free of charge the Group Insurance Policy on the protection of loans

Both patients and their first degree and second degree relatives may contract loans for medical purposes
Purpose of the loan: Financing the costs of any medical treatment

Eligible clients: Individuals over the age of 18 with certain incomes with a character of permanence throughout the crediting period.

NEW!
Loan for medical purposes can be contracted by both patients and by their first and second degree relatives

Client’s age at the date of the final repayment of the loan: maximum 70 years

Currency: Lei

Crediting period: 5 years

The maximum withdrawal period: 30 calendar days
Partial withdrawals are not allowed, the loan will be used in full in one instalment by transfer in the account of the medical services provider

The maximum period of grace: 360 calendar days, for medium-term loans

Types of income accepted by the bank: Net certain income with a character of permanence (wages, pensions, agricultural activities, independent activities, rents, dividends, partnership agreements, intellectual property rights, etc.).

Maximum loan: 30,000 lei

The client’s own contribution: the establishment of the contribution is not mandatory

Securities
CEC Bank offers free of charge the Group insurance policy on the protection of loans concluded for a crediting period at least equal to the duration of crediting, the risks insured by this policy being in accordance with the General conditions of insurance:
- Death from illness or accident;
- Total permanent disability due to an illness or accident
- Involuntary unemployment
a) for dental diseases, birth, harvesting of stem cells, in vitro fertilization;
b) for events produced due to the treatment of diseases other than those mentioned in section a), except for those for which the loan for medical purposes was contracted.

The insurance policy has the following features:
a. insurance can be concluded only if the client at the time of contracting this insurance is at least 18 years old. The maximum age of withdrawal from insurance is 75 years old;
b. insurance is valid worldwide for the risk of death and total permanent disability and for unemployment only in Romania;
c. the amount insured for death – in case of death of the client during the period of insurance. The amount insured is represented by the balance of the loan which corresponds to the last payment of the insurance premium at the occurrence of the insured event;
d. the amount insured for total permanent disability - in case of total permanent disability due to an illness or accident that results in the allocation to the Insured of an invalidity pension level I or II in accordance with regulations in effect on social protection in Romania. The amount insured is the one set by contract up to the limit of the loan balance corresponding to the last payment of the insurance premium at the occurrence of the insured event;
e. monthly the amount of the loan instalment - if the client has become unemployed in the insured period after the termination of the employment relationship with the last employer, in compliance with insurance conditions. Payment obligation arises after falling into the definition of ’unemployed’, according to art.65-67-68 of the Labour Code, for a period exceeding 30 consecutive days. Insurance covers unemployment for a maximum of 9 months for an event and for a maximum of 18 months for the entire duration of the loan provided that between two events there is a minimum of 6 months of continuous activity registered in an Employment Record Book. The first event may be covered at the earliest 2 months from the date of granting.

The inclusion in the insurance will be made by excluding the events directly or indirectly, totally or partially produced due to an affection for which the medical services credit was granted, or an affection discovered during performing investigations/procedures for which the medical services credit had been contracted(with some exceptions).

The excerpt of the conditions of the insurance policy will be available to clients in any CEC Bank unit.

Loan repayment: monthly instalments

Interest
- variable: 5.08% (ROBOR 3M + 3 p.p.)

The currently considered ROBOR 3M interest level is 2.08%, valid on 2 April 2018.

The interest level ROBOR 3M changes quarterly at the following dates January 1st, April 1st, July 1st and October 1st of the year or on the first business day immediately following the first day of the quarter, where the first date of the quarter is a free day according to the quotation displayed by NBR.

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

Fees
File analysis fee: 0 lei
Credit management fee: 20 lei (monthly fixed amount)

Other cost elements that are not taken into account of DAE, respectively:
- 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)

No commission and no interest

Fast granting

Personal contribution is not mandatory

Both the patients and their first (I) and second (II) degree relatives can contract medical purposes credits

CEC Bank offers the group insurance policy for free, in the following cases:
- Death from disease or accident
- Total permanent invalidity due to a disease or accident
- Involuntary unemployment
Credit destination: the credits are destined for financing the costs afferent to any medical treatments; the use of the credit is made as a whole, in one installment, only by account transfer in the medical services providers’ account.

Eligible Clients: individual persons over the age of 18, who achieve sure and permanent incomes for all the duration of the credit period, according to the internal regulations in force on individual persons’ credit.

Client’s age on final date of credit reimbursement: maximum 70 years old

Currency: LEI

Maximum credit value: 10.000 lei, inclusive

Client’s personal contribution: not necessary

Maximum credit period: 1 year

Maximum withdrawal period: 30 calendar days

Credit reimbursement: monthly installments

Types of incomes accepted by the bank: permanent sure net incomes (salaries, pensions, agricultural activities, independent activities, rents, dividends, collaboration agreements, intellectual property rights, etc. )

CEC Bank offers the group insurance for credit protection for free, concluded for a period at least as long as the credit period, the risks covered by the policy, according to the generating insurance Conditions:
- Death from disease or accident
- Total permanent invalidity due to a disease or accident
- Involuntary unemployment

The insurance policy has the following characteristics
a. the insurance can only be concluded if the clients has minimum 18 years old contracting the present insurance and maximum 75 years old at insurance termination. 
b. the insurance is valid internationally for the risk of death and permanent total invalidity, and for unemployment only in Romania.
c. insured amount for death – in case of client’s death during the insurance period. The insured amount is represented by the credit sold which corresponds to the final insurance policy payment at the occurrence of the insured event.
d. insured amount for permanent total invalidity – in case of permanent total invalidity due to disease or accident when the Insurant receives a stage I or II invalidity pension, according to the regulations in force on social protection in Romania. The insured amount is the one set in the contract, up to the credit sold limit which corresponds with the final insurance policy payment at the occurrence of the insured event.
e. monthly credit installment value – in case the client became unemployed during the insured period, after the termination of the labor agreement with the last employer, complying with the insurance conditions. The payment obligation is due after being included in the definition of “unemployed”, according to art. 65-67-68 from the Labor Code, for a duration longer than 30 consecutive days. The present insurance covers unemployment for a maximum of 9 months for one event and maximum 18 months for the entire credit duration, under the condition that between events, the insurant must have a minimum 6 month period of continuous activity based on a labor agreement. The first event can be covered after 2 months from granting the credit.

The inclusion in the insurance will be made by excluding the events directly or indirectly, totally or partially produced due to an affection for which the medical services credit was granted, or an affection discovered during performing investigations/procedures for which the medical services credit had been contracted(with some exceptions).

The extract regarding the policy conditions will be made available to the clients in any CEC Bank unit.

Interest
0%

Commissions
File analysis commission: 0 lei
Credit administration commission: 0 lei 

Other cost elements that are not taken into account of DAE, respectively:
- 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)