Examples
representative
Choose the type of credit
Credit value
50,000 lei
Loan duration
10 years (120 monthly installments)
Interest
Variable 12.08% * (IRCC + 6.50pp)
Monthly rate
Starting from 920 lei
DAE (Annual effective interest rate)
12.91%
Analysis Commission
200 lei
Annual management commission
0 lei
Total cost of credit
30,740 lei
Total amount to be paid
80.740 lei
*In the case of current needs loans with real estate destination with variable interest, it is made up of the bank's fixed margin, plus the IRCC reference index and varies depending on the latter. The interest will be updated and modified quarterly by the bank, depending on the IRCC monetary index. The variation of the reference index, as well as income fluctuations, may influence the ability to pay the loan installments or the total payment amount.
Credit value
50,000 lei
Loan duration
10 years (120 monthly installments)
Interest
Variable 12.08% * (IRCC + 6.50pp)
Monthly rate
720 lei
DAE (Annual effective interest rate)
12.89%
Analysis Commission
200 lei
Annual management commission
0 lei
Total cost of credit
36.649 lei
Total amount to be paid
86.649 lei
*In the case of current needs loans with real estate destination with variable interest, it is made up of the bank's fixed margin, plus the IRCC reference index and varies depending on the latter. The interest will be updated and modified quarterly by the bank, depending on the IRCC monetary index. The variation of the reference index, as well as income fluctuations, may influence the ability to pay the loan installments or the total payment amount.
Credit value
80,000 lei
Loan duration
10 years (120 monthly installments)
Interest
Variable 12.08% * (IRCC + 6.50pp)
Monthly rate
Starting from 1,472 lei
DAE (Annual effective interest rate)
12.86%
Analysis Commission
200 lei
Annual management commission
0 lei
Total cost of credit
49,011 lei
Total amount to be paid
129.011 lei
*In the case of current needs loans with real estate destination with variable interest, it is made up of the bank's fixed margin, plus the IRCC reference index and varies depending on the latter. The interest will be updated and modified quarterly by the bank, depending on the IRCC monetary index. The variation of the reference index, as well as income fluctuations, may influence the ability to pay the loan installments or the total payment amount.
Credit value
80,000 lei
Loan duration
10 years (120 monthly installments)
Interest
Variable 12.08% * (IRCC + 6.50pp)
Monthly rate
1.151 lei
DAE (Annual effective interest rate)
12.85%
Analysis Commission
200 lei
Annual management commission
0 lei
Total cost of credit
58.465 lei
Total amount to be paid
138.465 lei
*In the case of current needs loans with real estate destination with variable interest, it is made up of the bank's fixed margin, plus the IRCC reference index and varies depending on the latter. The interest will be updated and modified quarterly by the bank, depending on the IRCC monetary index. The variation of the reference index, as well as income fluctuations, may influence the ability to pay the loan installments or the total payment amount.
