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Would you like to receive further information about the card or an estimate credit amount you can benefit from? Call 021/211.11.11 from Monday to Friday between 9:00 and 19:00 and one of the Bank’s representatives will offer the support that you need.

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Starting with April 9, 2020, personal loan loans and consumer loan refinancing benefit from free life insurance and unemployment.

No advance

No commission of file analyze

Free life insurance and unemployment, in the case of variable interest credit

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 rate:

- variable over the entire lending period::
Standard/no credit by card: 9.64% (IRCC + 7.20 p.p.)
Together with credit by card: 8.64% (IRCC + 6.20 p.p.)

For loans guaranteed with collateral cash: 7.94% (IRCC + 5.50 pp)

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.

- Fixed over the entire lending period:
Standard / no credit by card: 10.40%
Together with credit by card: 9.40%

Commissions valid in both cases of interest rates::
File analysis fee: 0 lei
Credit Management Fee: 20 lei (monthly, fixed amount)
Early repayment fee: 0 lei
Single commission for services provided to clients: 0
Early Repayment Fee for Fixed Interest Loans: 1% applied to the amount of the loan refunded earlier, if early repayment is required up to the last 12 months and 0.5% applied to the amount of the loan repaid earlier, if repayment is requested in the last 12 months of reimbursement.

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)