Examples
representative
Choose the type of credit
Personal needs loan with real estate destination in lei, variable interest, if you receive the income in a BT account (decreasing installments)
Credit value
50,000 lei
Loan duration
10 years (120 monthly installments)
Interest
Variable 12.06%* (IRCC + 6.50pp)
Monthly rate
Starting from 919 lei
DAE (Annual Percentage Rate)
12.89%
Analysis commission
200 lei
Annual management commission
0 lei
Total cost of credit
30.689 lei
Total amount to be paid
80.689 lei
*In the case of current needs loans with real estate destination and variable interest rate, it consists of the bank's fixed margin, plus the IRCC reference index and varies depending on the latter. The interest will be updated and changed by the bank quarterly, depending on the IRCC monetary index. The variation of the reference index, as well as the fluctuation of income, can influence the possibility of paying the loan installments or the total amount to be paid.
Personal loan for real estate purposes in lei, variable interest, if you receive income in a BT account (equal installments)
Credit value
50,000 lei
Loan duration
10 years (120 monthly installments)
Interest
Variable 12.06%* (IRCC + 6.50pp)
Monthly rate
719 lei
DAE (Annual Percentage Rate)
12.87%
Analysis commission
200 lei
Annual management commission
0 lei
Total cost of credit
36,579 lei
Total amount to be paid
86,579 lei
*In the case of current needs loans with real estate destination and variable interest rate, it consists of the bank's fixed margin, plus the IRCC reference index and varies depending on the latter. The interest will be updated and changed by the bank quarterly, depending on the IRCC monetary index. The variation of the reference index, as well as the fluctuation of income, can influence the possibility of paying the loan installments or the total amount to be paid.
Personal needs loan with real estate destination in lei, variable interest, if you receive the income in a BT account (decreasing installments)
Credit value
80,000 lei
Loan duration
10 years (120 monthly installments)
Interest
Variable 12.06%* (IRCC + 6.50pp)
Monthly rate
Starting from 1,471 lei
DAE (Annual Percentage Rate)
12.84%
Analysis commission
200 lei
Annual management commission
0 lei
Total cost of credit
48.930 lei
Total amount to be paid
128,930 lei
*In the case of current needs loans with real estate destination and variable interest rate, it consists of the bank's fixed margin, plus the IRCC reference index and varies depending on the latter. The interest will be updated and changed by the bank quarterly, depending on the IRCC monetary index. The variation of the reference index, as well as the fluctuation of income, can influence the possibility of paying the loan installments or the total amount to be paid.
Personal loan for real estate purposes in lei, variable interest, if you receive income in a BT account (equal installments)
Credit value
80,000 lei
Loan duration
10 years (120 monthly installments)
Interest
Variable 12.06%* (IRCC + 6.50pp)
Monthly rate
1.151 lei
DAE (Annual Percentage Rate)
12.83%
Analysis commission
200 lei
Annual management commission
0 lei
Total cost of credit
58,354 lei
Total amount to be paid
138,354 lei
*In the case of current needs loans with real estate destination and variable interest rate, it consists of the bank's fixed margin, plus the IRCC reference index and varies depending on the latter. The interest will be updated and changed by the bank quarterly, depending on the IRCC monetary index. The variation of the reference index, as well as the fluctuation of income, can influence the possibility of paying the loan installments or the total amount to be paid.
