Examples
representative
Choose the type of credit
Patient Loan in lei, variable interest, without real estate mortgage (decreasing installments)
Credit value
43,000 lei
Loan duration
10 years (120 monthly installments)
Interest
Variable 12,31% * (IRCC + 6.75pp)
Monthly rate
Starting from 799 lei
DAE (Annual Percentage Rate)
13.19%
Analysis commission
200 lei
Annual management commission
0 lei
Total cost of credit
26,976 lei
Total amount to be paid
69,976 lei
*In the case of patient loans with 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 incomes, may influence the ability to pay the loan installments or the total amount to be paid.
Patient loan in lei, variable interest, without real estate mortgage (equal installments)
Credit value
43,000 lei
Loan duration
10 years (120 monthly installments)
Interest
Variable 12,31% * (IRCC + 6.75pp)
Monthly rate
625 lei
DAE (Annual Percentage Rate)
13.17%
Analysis commission
200 lei
Annual management commission
0 lei
Total cost of credit
32,247 lei
Total amount to be paid
75,247 lei
*In the case of patient loans with 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 incomes, may influence the ability to pay the loan installments or the total amount to be paid.
Patient Credit in lei, variable interest, with real estate mortgage (decreasing installments)
Credit value
120,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Variable 9.81% * (IRCC + 4.25pp)
Monthly rate
Starting from 1,314 lei
DAE (Annual Percentage Rate)
10.55%
Analysis commission
500 lei
Annual management commission
100 lei
Total cost of credit
181.236 lei
Total amount to be paid
301,236 lei
*In the case of patient loans with 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 incomes, may influence the ability to pay the loan installments or the total amount to be paid.
Patient Credit in lei, variable interest, with real estate mortgage (equal installments)
Credit value
120,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Variable 9.81% * (IRCC + 4.25pp)
Monthly rate
1,036 lei
DAE (Annual Percentage Rate)
10.5%
Analysis commission
500 lei
Annual management commission
100 lei
Total cost of credit
257,218 lei
Total amount to be paid
377.218 lei
*In the case of patient loans with 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 incomes, may influence the ability to pay the loan installments or the total amount to be paid.
