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Advantageous grace period

No own contribution is required

The maximum loan amount is established according to the reimbursement capacity of each and every customer

The calculation of the income may take into consideration all the sure and permanent revenues of the lending term received by the applicant family

Opportunity to receive an amount in addition to that required to refund the running loans, in case of short and medium term loans

Option to use Internet Banking and/or Mobile Banking Service to visualize the loan status (balance, interest rates, installments) but also the current operations (payments, deposits)
Beneficiaries: individuals aged of more than 18 years old, obtaining sure incomes permanent during the entire lending term

Maximum age on the date of full loan repayment: 75 years old, including

Loan scope: 
- refunding any types of running loans, regardless of their classes (personal need loans and/or real estate investment loans), in case of refunding loans granted before 31 October 2011
- refunding running real estate investment loans, in case of refunding loans granted after 31 October 2011
- refunding of running personal need loans, in case of refunding loans granted after 31 October 2011

Currency: LEI

Lending Term: 
- maximum 30 years in case of refunding loans granted before 31 October 2011, regardless of their classes (personal need loans and/or real estate investment loans)
- maximum 30 years in case of refunding only the real estate investment loans granted after 31 October 2011
- maximum 5 years in case of refunding personal need loans granted after 31 October 2011

Grace period: 
- maximum 360 calendar days in case of refunding loans granted before 31 October 2011, regardless of their classes (personal need loans and/or real estate investment loans)
- maximum 360 calendar days in case of refunding only the real estate investment loans granted after 31 October 2011
- maximum 180 calendar days in case of refunding personal need loans granted after 31 October 2011

Maximum loan amount shall be established according to the reimbursement capacity of each and every customer

Own contribution: it is not compulsory

Guarantees: mortgages over the real estates

Insurance policy against natural disaster risk for the mortgaged real estate shall be compulsory, its submission being required prior to contract the loan.

Interest rate:
- variable over the entire lending period

Credits subject to the provisions of Law 77/2016
6.63% (IRCC + 4.00 p.p.)

Credits not subject to the provisions of Law 77/2016
5.63% (IRCC + 3.00 p.p.)

The current IRCC index level taken into account is of 2.63% on the basis of the IVQ 2018 quotation published on July 1st, 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.

Commissions
File analysis fee: 250 lei
Early repayment fee: 0 lei
Credit management fee applicable to the loan balance monthly: 0.05%
Single commission for services provided to clients: 400 lei 

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)

At the request of customers, the Bank may grant loans in euro only in case they turn out getting revenue in euros.

Fixed margin throughout the loan period

Advantageous grace period

No personal contribution is necessary

The maximum loan amount is set according to each customer’s repayment capacity

In calculating the net income, all reliable, permanent family income may be taken into account, throughout the loan period

Possibility of obtaining an additional amount to the amount needed for refinancing the ongoing loans for short-and medium-term loans

Possibility to use the Internet Banking and/or Mobile Banking service to view the credit status (balance, interest, instalments), but also for current operations (payments, deposits)
Beneficiaries: individuals aged over 18, with certain and permanent income throughout the loan period

Maximum age on the date set for the complete reimbursement of the loan: 75 years old, including

Loan purpose:
- Refinancing any type of ongoing loans, regardless of the refinanced loans category (consumer credit and / or property investment) if refinancing loans granted before 31.10.2011
- Ongoing property investment loans refinance, if refinancing loans granted after 31.10.2011
- Ongoing consumer credit refinance, if refinancing loans granted after 31.10.2011

Currency: EUR

Loan duration:
- Max. 30 years in case of refinancing loans granted before 31.10.2011, regardless of the refinanced loans category (consumer credit and/or property investment)
- Max. 30 years if refinancing property investment loans exclusively, granted after 31.10.2011
- Max. 5 years for consumer credit refinance, if granted after 31.10.2011

Grace period:
- Max. 360 days in case of refinancing loans granted before 31.10.2011, regardless of the refinanced loans category (consumer credit and/or property investment)
- Max. 360 days if refinancing property investment loans exclusively, granted after 31.10.2011
- Max. 180 days for consumer credit refinance, if granted after 31.10.2011

The maximum loan amount is set according to each customer’s repayment capacity

Own contribution: NOT required

Guarantees: real estate mortgages on properties

Disaster insurance for the mortgaged property is mandatory and it is required before granting the loan

Interest
- variable interest for the entire lending term

Loans that are subject of Law 77/2016
7.19% (EURIBOR 6M + 7.50 p.p.)

Loans that are not subject of Law 77/2016
5.19% (EURIBOR 6M + 5.50 p.p.)

The currently considered EURIBOR 6M interest level is -0.31%, valid on July 1st 2019.

The EURIBOR 6M interest rate level varies each semester on the 1st January and 1st July of the year or in the first working day next to the day of first of the semester, if such date is a non-working day, the valid value of the indices being the EURIBOR 6M interest rate level valid at the modification date.

Fees
Analysis fee: 100 euro
Early reimbursement fee: 0
Monthly loan management fee: 0,05%
Sole banking fee for services provided to clients: 95 euro

Other cost elements that are not taken into account of DAE, respectively:
- sole commission for services performed at the customer’s request related to the deployment of the loan;
- 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;
- all the costs (taxes, fees, other costs) that are to be paid about concluding, advertisement and/or registration of the loan contract and of the ancillary documents (guarantee contracts, including their extension/cancellation etc.), including the notary fees;
- the amounts representing the insurance premiums related to the insurance policies for general risks, related to the value of the assets accepted as collateral, for which there are concluded such policies and/or PAD (Effective Annual Interest Rate) premium quote, given that the Bank does not impose the concluding of the insurance premiums with a certain provider of such services;
- the amounts related to the evaluation of the movable/immovable assets accepted as collateral, except for the evaluation that is performed by the internal evaluators of the Bank.

The possible fluctuations of the exchange rate which may affect the amount to be paid, in case of contracting a loan in EURO, meaning its increase, can lead to impair your possibility of payment.

Loans interests (.pdf)

Loan fees (.pdf)

Examples of calculation - Standard Products (.pdf)