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No advance

No commission of file analyze

Grace period up to 12 months

The Bank offers free consultancy on the preparation of the loan accessing documentation

The possibility of using the Internet Banking service as well as Mobile Banking for visualizing the balance situation (balance, installments, maturity date) but also for current operations (payments, deposits)

When calculating the net income there can be taken into account the family’s all quarrel incomes which are permanent during the entire crediting period

Loan destination: multi-purpose personal needs (without the obligation of presenting justifying documents on the loan using)

Currency: LEI

The value of the loans: maximum 90.000 lei

Own contribution: is not required

Crediting period:
- minimum 1 year, without grace period;
- maximum 5 years, with the possibility of opting for a grace period of maximum 12 months.

Drawdown period: maximum 30 calendar days, in one installment

Loan reimbursement: in monthly installments with maturities permitted in any day of 05th and 20th of the month

The customer’s age at the final reimbursement date of the loan: maximum 70 years, including

Types of incomes accepted by Bank: quarrel net incomes with permanent character (salaries, pensions, agriculture activities, independent activities, rents, dividends, collaboration contracts, intellectual property rights etc.)

Interest:

- Variable throughout the lending term:
Standard/no credit card: 9.65% (ROBOR 3M + 6.50 p.p.)
With credit card: 8.65% (ROBOR 3M + 5.50 p.p.)

For loans guaranteed with cash collateral: 8.65% (ROBOR 3M + 5.50 p.p.)

Currently, the ROBOR 3M interest rate is of 3.15%, valid as of July 2nd 2018.

The interest rate shall be changed quarterly on January 1st, April 1st, July 1st and October 1st of the year or on the first business day next to the first day of the quarter if such day is a non-business day, according to the ROBOR 3M interest rate valid on the change date.

The valid index amounts on the interest rate change date shall be those published by the relevant regulating authority with two business days in advance.

- Fixed throughout the lending term:
Standard/no credit card: 10.40%
With credit card: 9.40%

Valid fees for both interest rate alternatives:
Dossier analysis fee: Lei 0
Loan management fee: Lei 20 (monthly, lump sum)
Early repayment fee: Lei 0
One-bullet fee for services provided upon the request of customers: Lei 0
Early repayment fee for fixed-rate loans: 1% of the amount of the loan early repaid if the early repayment is requested up to the last 12 months, respectively 0.5% of the amount of the loan early repaid if the early repayment is requested during the last 12 months of the lending term.

Other cost items not considered when calculating the APRC are:
Registration/extend/change (as the case may be) and deregistration of the pledge over the existing and future credit balances of the current accounts of the customer/co-debtors, as well as of the debit cards of the customer, with the Electronic Archive for Security Interests in Movable Property.

Loans interests (.pdf)

Loan fees (.pdf)

Examples of calculation - Standard Products (.pdf)