Examples
representative
Choose the type of credit
Personal loan in lei, with fixed interest rate, if you receive your income in a BT account and choose the loan with insurance (decreasing installments)
Credit value
55,000 lei
Loan duration
5 years (60 monthly installments)
Interest
Fixed 8.50%
Monthly rate
Starting from 1,306 lei
DAE (Annual Percentage Rate)
10.44%
Analysis commission
200 lei
Annual management commission
0 lei
One-time insurance premium*
2.8% of the loan value
Total cost of credit
13,711 lei
Total amount to be paid
68,711 lei
*The insurance cost, specific to the amount in the representative example, of 1540 lei, is included in the total loan cost and is paid in a single installment at the time of loan granting, either from own sources or from the loan.
Personal loan in lei, with fixed interest, if you receive your income in a BT account and choose the loan with insurance (equal installments)
Credit value
55,000 lei
Loan duration
5 years (60 monthly installments)
Interest
Fixed 8.50%
Monthly rate
1.128 lei
DAE (Annual Percentage Rate)
10.34%
Analysis commission
200 lei
Annual management commission
0 lei
One-time insurance premium*
2.8% of the loan value
Total cost of credit
14,533 lei
Total amount to be paid
69,533 lei
*The insurance cost, specific to the amount in the representative example, of 1540 lei, is included in the total loan cost and is paid in a single installment at the time of loan granting, either from own sources or from the loan.
Personal loan in lei, with variable interest, if you receive income in a BT account and choose the loan with insurance (decreasing installments)
Credit value
55,000 lei
Loan duration
5 years (60 monthly installments)
Interest
Variable 12.06%* (IRCC + 6.50pp)
Monthly rate
Starting from 1,469 lei
DAE (Annual Percentage Rate)
14.5%
Analysis commission
200 lei
Annual management commission
0 lei
One-time insurance premium*
2.8% of the loan value
Total cost of credit
18,687 lei
Total amount to be paid
73,687 lei
*In the case of personal loan credits with variable interest, it is composed of the bank's fixed margin, plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The variation of the reference index, as well as income fluctuations, can influence the ability to pay the loan installments or the total amount payable.
*The insurance cost, specific to the amount in the representative example, of 1540 lei, is included in the total loan cost and is paid in a single installment at the time of loan granting, either from own sources or from the loan.
Personal loan in lei, with variable interest, if you receive your income in a BT account and choose the loan with insurance (equal installments)
Credit value
55,000 lei
Loan duration
5 years (60 monthly installments)
Interest
Variable 12.06%* (IRCC + 6.50pp)
Monthly rate
1.225 lei
DAE (Annual Percentage Rate)
14.36%
Analysis commission
200 lei
Annual management commission
0 lei
One-time insurance premium*
2.8% of the loan value
Total cost of credit
20,335 lei
Total amount to be paid
75,335 lei
*In the case of personal loan credits with variable interest, it is composed of the bank's fixed margin, plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank quarterly, depending on the IRCC monetary index. The variation of the reference index, as well as income fluctuations, can influence the ability to pay the loan installments or the total amount payable.
*The insurance cost, specific to the amount in the representative example, of 1540 lei, is included in the total loan cost and is paid in a single installment at the time of loan granting, either from own sources or from the loan.
Personal loan in euro, with variable interest, without collecting income in a BT account, if you choose the loan with insurance (decreasing installments)
Credit value
10,000 euro
Loan duration
5 years (60 monthly installments)
Interest
Variable 8.57% * (EURIBOR6M + 6.00pp)
Monthly rate
Starting from 238 euros
DAE (Annual Percentage Rate)
10.59%
Analysis commission
50 euro
Annual management commission
0 euro
One-time insurance premium*
2.8% of the loan value
Total cost of credit
2.596 euro
Total amount to be paid
12,596 euro
*In the case of personal need loans with variable interest, it is made up of the bank's fixed margin, plus the EURIBOR6M reference rate and varies depending on the latter. The interest will be updated and modified by the bank quarterly, based on the EURIBOR6M monetary index. The variation of the reference rate, as well as income fluctuations, can influence the ability to pay loan installments or the total payment amount.
*The insurance cost, specific for the amount in the representative example, of 280 euros, is included in the total cost of the loan and is paid in a single installment at the granting of the loan, either from own sources or from the loan.
Personal loan in euros, with variable interest rate, without collecting income in a BT account, if you choose the loan with insurance (equal installments)
Credit value
10,000 euro
Loan duration
5 years (60 monthly installments)
Interest
Variable 8.57% * (EURIBOR6M + 6.00pp)
Monthly rate
205 euro
DAE (Annual Percentage Rate)
10.48%
Analysis commission
50 euro
Annual management commission
0 euro
One-time insurance premium*
2.8% of the loan value
Total cost of credit
2.748 euro
Total amount to be paid
12,748 euros
*In the case of personal need loans with variable interest, it is made up of the bank's fixed margin, plus the EURIBOR6M reference rate and varies depending on the latter. The interest will be updated and modified by the bank quarterly, based on the EURIBOR6M monetary index. The variation of the reference rate, as well as income fluctuations, can influence the ability to pay loan installments or the total payment amount.
*The insurance cost, specific for the amount in the representative example, of 280 euros, is included in the total cost of the loan and is paid in a single installment at the granting of the loan, either from own sources or from the loan.
