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No file analysis fee

Maximum value of the credit extended to 80,000 lei

No advance payment

Grace period up to 12 months

Possibility of the entirety refinancing of the loans in progress as well as amounts increasing

Possibility of using the Internet Banking service to view the credit status (balance, interest rates, credit rates) and for current operations (payments, deposits)

All the certain permanent incomes related to the entire credit period of time and whole family could be taken into consideration for the net income calculation.

Loan Destination: refinancing of consumer credits and credits for real estate investments

Currency: LEI

The value of the loans: maximum 90.000 lei

Own contribution: not required

Credit period of time:

- minimum 1 year, no grace period

- maximum 5 years, with possibility to opt for a grace period of 12 months

Withdrawal Period: maximum 30 calendar days, one disbursement

Loan repayment: monthly installments with maturities allowed any day between 5 and 20 of the month

Client age when the final credit repayment is made: not more than 70 years, included

Types of incomes accepted by the Bank: permanent certain net income (salaries, pensions, agricultural activities, self-employment, rents, dividends, partnership agreements, intellectual property rights etc.)

Interest: variable for the entire crediting period:

Standard/no credit card: 10.15% (ROBOR 3M + 7.00 p.p.)

Together with credit card: 9.65% (ROBOR 3M + 6.50 p.p.)

Currently, the 3M ROBOR interest level taken into account is 3.15%, valid for 1 October 2018.

The interest rate is changed quarterly on January 1, April 1, July 1 and October 1 of the year or the first business day immediately following the first day of the quarter, when the first day of the quarter is a weekend day, with ROBOR 3M interest valid on the changing date.

The value of the indices valid on the changing date is the value published by the related regulatory entity with two days earlier.

Analysis fee: 0 lei
Management Fee: 20 lei (monthly fixed amount)
Early repayment fees: 0 lei
Unique fee for services to client’s requests: 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)