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Grace period determined according to the loan period

Loan fees financing

When calculating net income, all certain, permanent incomes of the customer and his family, on the entire loan period, can be taken into account

The possibility to use the Internet Banking and/or Mobile Banking service for free during the first three months, to visualise the credit status (balance account, interest, instalments) but also for current operations (payments, deposits)
Loan destination: purchase of houses personal property and of the related land, if appropriate, granted to a customer owner of a house, which requests a temporary funding in order to purchase another house, then proceeding to the sale of the owned one, with the amounts obtained this way repaying the loan integrally

Currency: LEI

Loan value: maximum LEI 2.800.000

Own contribution: it is not mandatory

Loan period: maximum 12 months

Drawing period: maximum 30 days

Grace period: maximum 60 days

Guarantees: real estate mortgages over the property. In completing the real estate mortgage over the property there may be admitted other guarantees, too, of those accepted by Bank.

Insurance against the disaster risks of the mortgage property is mandatory, being necessary before granting the loan

Loan repayment: there is one final maturity, namely it is paid, at the end of the repayment period, the whole value of the obtained loan; during the loan repayment period it is paid only the loan interest

Age at the date established for the full repayment of the loan: maximum 75 years, including

Interest rate
- variable over the entire lending period

Credits subject to the provisions of Law 77/2016
5.84% (IRCC + 3.40 p.p.)

Credits not subject to the provisions of Law 77/2016
5.34% (IRCC + 2.90 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: 500 lei
Early repayment fee: 0
Credit management fee: 0.04%, applicable on a monthly basis to the current credit balance

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 client / codebtor and of debit card accounts of the client at the Electronic Archive for Security Interests in Movable Property.
- all costs (commissions, fees, other costs) to be paid in connection with the conclusion, publicity and / or registration of the credit agreement and its ancillary documents (guarantee contracts, including their extension/deregistration etc.), including notary fees;
- the amounts representing the insurance premiums for general risk insurance policies in accordance with the value of the assets accepted under guarantee for which such policies are concluded and / or the premium share PAD, taking into account that the Bank does not require the conclusion of insurance policies with a particular provider of such services;
- amounts related to the valuation of immovable / movable property admitted under guarantee, unless the valuation is carried out by the Bank's internal valuers.

Loans interests (.pdf)

Loan fees (.pdf)

Examples of calculation - Standard Products (.pdf)