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 12.32%* (IRCC + 6.75pp)
Monthly rate
Starting from 800 lei
DAE (Annual Percentage Rate)
13.2%
Analysis commission
200 lei
Annual management commission
0 lei
Total cost of credit
26,997 lei
Total amount to be paid
69,997 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 12.32%* (IRCC + 6.75pp)
Monthly rate
625 lei
DAE (Annual Percentage Rate)
13.18%
Analysis commission
200 lei
Annual management commission
0 lei
Total cost of credit
32,277 lei
Total amount to be paid
75,277 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 9.82%* (IRCC + 4.25pp)
Monthly rate
Starting from 1,315 lei
DAE (Annual Percentage Rate)
10.56%
Analysis commission
500 lei
Annual management commission
100 lei
Total cost of credit
181,416 lei
Total amount to be paid
301,416 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 9.82%* (IRCC + 4.25pp)
Monthly rate
1,037 lei
DAE (Annual Percentage Rate)
10.51%
Analysis commission
500 lei
Annual management commission
100 lei
Total cost of credit
257,539 lei
Total amount to be paid
377,539 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.