Examples
representative
Choose the type of credit
Credit value
100,000 lei
Loan duration
5 years (60 monthly installments)
Interest
Variable 10.33% * (IRCC + 4.75pp)
Monthly rate
Starting from 2,528 lei
DAE (Annual effective interest rate)
11.68%
Analysis Commission
500 lei
Annual management commission
150 lei
Total cost of credit
28,019 lei
Total amount to be paid
128,019 lei
*In the case of personal loans secured by mortgage 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 fluctuations in income, can influence the ability to pay loan installments or the total amount to be paid.
Credit value
100,000 lei
Loan duration
5 years (60 monthly installments)
Interest
Variable 10.33% * (IRCC + 4.75pp)
Monthly rate
2.141 lei
DAE (Annual effective interest rate)
11.62%
Analysis Commission
500 lei
Annual management commission
150 lei
Total cost of credit
30,222 lei
Total amount to be paid
130.222 lei
*In the case of personal loans secured by mortgage 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 fluctuations in income, can influence the ability to pay loan installments or the total amount to be paid.
Credit value
25,000 euro
Loan duration
5 years (60 monthly installments)
Interest
Variable 7.73% * (EURIBOR6M + 5.25pp)
Monthly rate
Starting from 578 euros
DAE (Annual effective interest rate)
9.71%
Analysis Commission
100 euro
Annual management commission
30 euro
Total cost of credit
5.792 euro
Total amount to be paid
30.792 euro
*In the case of personal loans secured by a mortgage with a variable interest rate, this consists of the bank's fixed margin, plus the EURIBOR6M reference index and varies depending on the latter. The interest rate will be updated and changed by the bank quarterly, depending on the EURIBOR6M monetary index. The variation of the reference index, as well as fluctuations in income, may influence the ability to pay the loan installments or the total payment amount.
Credit value
25,000 euro
Loan duration
5 years (60 monthly installments)
Interest
Variable 7.73% * (EURIBOR6M + 5.25pp)
Monthly rate
504 euro
DAE (Annual effective interest rate)
9.62%
Analysis Commission
100 euro
Annual management commission
30 euro
Total cost of credit
6.101 euro
Total amount to be paid
31,101 euro
*In the case of personal loans secured by a mortgage with a variable interest rate, this consists of the bank's fixed margin, plus the EURIBOR6M reference index and varies depending on the latter. The interest rate will be updated and changed by the bank quarterly, depending on the EURIBOR6M monetary index. The variation of the reference index, as well as fluctuations in income, may influence the ability to pay the loan installments or the total payment amount.
