Examples
representative
Choose the type of credit
Personal loan guaranteed by mortgage in lei, variable interest rate, if you receive your income in a BT account (decreasing installments)
Credit value
100,000 lei
Loan duration
5 years (60 monthly installments)
Interest
Variable 10.31%* (IRCC + 4.75pp)
Monthly rate
Starting from 2,526 lei
DAE (Annual Percentage Rate)
11.71%
Analysis commission
500 lei
Annual management commission
150 lei
Total cost of credit
28.118 lei
Total amount to be paid
128,118 lei
*In the case of personal loans secured by mortgage with variable interest rate, it is composed of the bank's fixed margin, plus the IRCC reference index and varies depending on 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 the fluctuation of incomes, may influence the ability to pay loan installments or the total payment amount.
Personal loan secured by mortgage in lei, variable interest, if you receive income in a BT account (equal installments)
Credit value
100,000 lei
Loan duration
5 years (60 monthly installments)
Interest
Variable 10.31%* (IRCC + 4.75pp)
Monthly rate
2,140 lei
DAE (Annual Percentage Rate)
11.65%
Analysis commission
500 lei
Annual management commission
150 lei
Total cost of credit
30,313 lei
Total amount to be paid
130,313 lei
*In the case of personal loans secured by mortgage with variable interest rate, it is composed of the bank's fixed margin, plus the IRCC reference index and varies depending on 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 the fluctuation of incomes, may influence the ability to pay loan installments or the total payment amount.
Personal loan guaranteed by mortgage in euro, variable interest rate, if you receive your income in a BT account (decreasing installments)
Credit value
25,000 euro
Loan duration
5 years (60 monthly installments)
Interest
Variable 7.82%* (EURIBOR6M + 5.25pp)
Monthly rate
Starting from 580 euros
DAE (Annual Percentage Rate)
9.86%
Analysis commission
100 euro
Annual management commission
30 euro
Total cost of credit
5,881 euro
Total amount to be paid
30.881 euro
*In the case of personal loans secured by mortgage with variable interest rate, it 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 modified quarterly by the bank, according to the EURIBOR6M 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 to be paid.
Mortgage-backed personal loan in euros, variable interest rate, if you receive income in a BT account (equal installments)
Credit value
25,000 euro
Loan duration
5 years (60 monthly installments)
Interest
Variable 7.82%* (EURIBOR6M + 5.25pp)
Monthly rate
505 euro
DAE (Annual Percentage Rate)
9.76%
Analysis commission
100 euro
Annual management commission
30 euro
Total cost of credit
6.197 euro
Total amount to be paid
31.197 euro
*In the case of personal loans secured by mortgage with variable interest rate, it 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 modified quarterly by the bank, according to the EURIBOR6M 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 to be paid.
