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CEC Bank develops a promoting campaign for the personal need loans and revolving personal loan facilities granted in Lei between January 8th and March 31st of 2018. Thus, the natural person customers can benefit of an advantageous interest rate of 9.90% per year, which is fixed throughout the lending term.

The characteristics of the promoting campaign are the following:

  • Maximum lending term: 5 years;
  • Maximum financing amount: Lei 90 000;
  • Extended grace period: up to 12 months;
  • No file review fee;
  • Monthly loan management fee: Lei 20;
  • Early repayment fee: 1% of the early repaid loan amount, when the timeframe between the early repayment date and the repayment term end date is longer than 12 months, respectively 0.5%,  when the timeframe between the early repayment date and the repayment term end date is shorter than 12 months;
  • The option to take into consideration all the family certain permanent incomes obtained throughout the lending term, in order to establish the net income;
  • The option to use the Internet Banking and Mobile Banking Services to view the loan status (the loan balance, the due date, the due installment amount) and to perform current transactions (payments, deposits etc.).

"Besides the advantageous granting terms, our customers benefit currently of the option to contract financing loans with fixed interest rate, being in this manner protected against the increase risk related to the reference indexes used in computing the variable interest rates”, has declared Mr. Radu Gratian Ghetea, President and Managing Director of CEC Bank.

Calculation examples

APR of 13.53%, calculated for a personal need loan amounting to Lei 14 400, to be repayable in 49 months, under the following terms: a fixed interest rate of 9.90% throughout the lending term,  a fixed monthly loan management fee of Lei 20 and a file review fee of Lei 0. The monthly installment shall be of Lei 378.56, and the overall payable amount shall be of Lei 18 549.

APR of 12.18%, calculated for a revolving personal loan facility amounting to Lei 25 100, to be repayable in 52 months, under the following terms: a fixed interest rate of 9.90% throughout the lending term, a fixed monthly loan management fee of Lei 20 and a file review fee of Lei 0. The monthly installment shall be of Lei 615.73, and the overall payable amount shall be of Lei 32017.87.

For more details on the products and services included in the CEC Bank offer, please contact us in any territorial units or by calling at the phone number 0 800 800 848 free of charges or by accessing our website www.cec.ro.