Examples
representative
Choose the type of credit
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 effective interest rate)
10.44%
Analysis Commission
200 lei
Annual management commission
0 lei
One-time insurance premium*
2.8% of the loan amount
Total cost of credit
13,711 lei
Total amount to be paid
68,711 lei
*The insurance cost, specific for the amount in the representative example, of 1540 lei, is included in the total credit cost and is paid in a single installment upon granting the credit, either from own sources or from the credit.
Credit value
55,000 lei
Loan duration
5 years (60 monthly installments)
Interest
Fixed 8.50%
Monthly rate
1,128 lei
DAE (Annual effective interest rate)
10.34%
Analysis Commission
200 lei
Annual management commission
0 lei
One-time insurance premium*
2.8% of the loan amount
Total cost of credit
14,533 lei
Total amount to be paid
69,533 lei
*The insurance cost, specific for the amount in the representative example, of 1540 lei, is included in the total credit cost and is paid in a single installment upon granting the credit, either from own sources or from the credit.
Credit value
55,000 lei
Loan duration
5 years (60 monthly installments)
Interest
Variable 12.08% * (IRCC + 6.50pp)
Monthly rate
Starting from 1,470 lei
DAE (Annual effective interest rate)
14.53%
Analysis Commission
200 lei
Annual management commission
0 lei
One-time insurance premium*
2.8% of the loan amount
Total cost of credit
18,715 lei
Total amount to be paid
73,715 lei
*In case of personal loans with variable interest rate, 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 changed by the bank quarterly, depending on the monetary index IRCC. The variation of the reference index, as well as the fluctuation of income, can influence the ability to pay the loan installments or the total amount to be paid.
*The insurance cost, specific for the amount in the representative example, of 1540 lei, is included in the total credit cost and is paid in a single installment upon granting the credit, either from own sources or from the credit.
Credit value
55,000 lei
Loan duration
5 years (60 monthly installments)
Interest
Variable 12.08% * (IRCC + 6.50pp)
Monthly rate
1.226 lei
DAE (Annual effective interest rate)
14.38%
Analysis Commission
200 lei
Annual management commission
0 lei
One-time insurance premium*
2.8% of the loan amount
Total cost of credit
20,369 lei
Total amount to be paid
75,369 lei
*In case of personal loans with variable interest rate, 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 changed by the bank quarterly, depending on the monetary index IRCC. The variation of the reference index, as well as the fluctuation of income, can influence the ability to pay the loan installments or the total amount to be paid.
*The insurance cost, specific for the amount in the representative example, of 1540 lei, is included in the total credit cost and is paid in a single installment upon granting the credit, either from own sources or from the credit.
Credit value
10,000 euro
Loan duration
5 years (60 monthly installments)
Interest
Variable 8.48% * (EURIBOR6M + 6.00pp)
Monthly rate
Starting from 237 euros
DAE (Annual effective interest rate)
10.48%
Analysis Commission
50 euro
Annual management commission
0 euro
One-time insurance premium*
2.8% of the loan amount
Total cost of credit
2,572 euros
Total amount to be paid
12,572 euros
*In the case of personal loans with variable interest, it is composed of the bank's fixed margin, plus the EURIBOR6M reference index and varies depending on the latter. The interest 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 payment amount.
*The insurance cost, specific to 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 upon granting the loan, either from own sources or from the loan.
Credit value
10,000 euro
Loan duration
5 years (60 monthly installments)
Interest
Variable 8.48% * (EURIBOR6M + 6.00pp)
Monthly rate
205 euro
DAE (Annual effective interest rate)
10.38%
Analysis Commission
50 euro
Annual management commission
0 euro
One-time insurance premium*
2.8% of the loan amount
Total cost of credit
2.721 euro
Total amount to be paid
12.721 euro
*In the case of personal loans with variable interest, it is composed of the bank's fixed margin, plus the EURIBOR6M reference index and varies depending on the latter. The interest 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 payment amount.
*The insurance cost, specific to 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 upon granting the loan, either from own sources or from the loan.
