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They ensure the funding of the costs related to the post-university studies

It is no mandatory need to establish the own contribution
No file analysis fee

They can be quickly granted

To view the loan condition (balance, interest rates, installments), the Internet Banking Services can be used
Loan Destination: to pay the equivalent value of the fees for post-university studies (MBA, qualification improvement studies, re-qualification studies, PhD studies, a second faculty etc.)

Loans can be granted on short, medium and long term.

Eligible customers: natural persons, having graduated a university education form, admitted to an accredited university in the country or abroad to follow their post-university studies.

Supplementary eligibility requirements to be met by the customer in addition to those provided for in the internal regulations on natural person lending are: 
a. to have a seniority to the current workplace of 3 years minimum;
b. to collect the salary / revenue in the account opened with CEC Bank

The age accepted for the customer in order to contract the loan: 23-50 years old.

Currency: LEI

Maximum lending period: 7 years

Maximum grace period, according to the lending term:  
a. without grace period, for the short term loans 
b. 720 calendar days for the medium and long term loans but not exceeding the period during which are followed the studies.

Maximum withdraw period: 30 calendar days
No partial withdraws are allowed, the loan following to be integrally used, in a single withdraw, only by transferring the relevant amount into the university / universities account / accounts, according to the instructions received to this end.

The specific documents to be submitted by the customer in addition to the documents provided for in the internal regulations on the natural persons lending are: the document attesting the admission of the customers to the high education institution which shall include the equivalent value of the relevant fees and the value of the scholarship granted for covering of the educational expenses, if any.

Maximum loan value: lei 65,000, including

Own contribution of the customer: it is not mandatory such a contribution

CEC Bank offers without any charge a Group Insurance Policy for the protection of loans, concluded for a period at least equal with the lending period, the risks covered by such a policy being, according to the General Insurance Conditions: 
- death due to illness or accident;
- total permanent invalidity following an illness or accident; 
- involuntary unemployment.

The Insurance Policy has the following characteristics: 
a. the insurance can be concluded only if, on the date of concluding this policy, the customer is between 23 years old minimum and 50 years old maximum. The insurance policy term shall cease on the date of the first anniversary of this policy subsequent to the anniversary of 50 years old for the assured person; 
b. the insurance policy is valid all over the world for the risk of death or total permanent invalidity and only in Romania for the unemployment risk; 
c. the insured value for death – in case of death of the customer during the insurance policy term. The amount insured is the loan balance corresponding to the last payment of the insurance premium at the occurrence of the insured event. 
d. the insured value for total permanent invalidity – in case of total permanent invalidity due to illness or accident, resulting in a invalidity pension of 1st or 2nd level granted according to the regulations on social protection in force in Romania: the insured value is that establish 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 payment of the loan related installment – in case the customer becomes unemployed person during the insurance policy term, after the cease of his/her work relations with the last employer, being observed the insurance conditions. The payment obligation appears after the person in case is classified in the category of “unemployed persons”, according to the provisions of Articles 65-67-68 of the Labor Code, for a period longer than 30 consecutive days.

This insurance policy covers unemployment risk for 9 months maximum for one event occurrence, respectively for 18 months during the entire lending period provided that between two event occurrences there is a period of continuous activity under an individual employment agreement of minimum 6 months. The first event occurrence can be covered at least within 2 months since the date of granting the loan.

An excerpt of the insurance policy conditions shall be made available for the customers in any CEC Bank unit.

Loan Reimbursement: 
- in monthly installments

Interest rate
- variable 6.44% (IRCC + 4 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: 0 lei
Credit Management Fee: 20 lei (monthly, fixed amount)

Other cost items not included in the DAE calculation, respectively:
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 / codebtor 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)