Examples
representative
Choose the type of credit
Credit value
43,000 lei
Loan duration
10 years (120 monthly installments)
Interest
Variable 12.33% * (IRCC + 6.75pp)
Monthly rate
Starting from 800 lei
DAE (Annual effective interest rate)
13.21%
Analysis Commission
200 lei
Annual management commission
0 lei
Total cost of credit
27,019 lei
Total amount to be paid
70.019 lei
*In the case of patient loans with variable interest, it consists of the bank's fixed margin, plus the IRCC reference index and varies according to the latter. The interest will be updated and modified quarterly by the bank, depending on the IRCC monetary index. The variation of the reference index, as well as the fluctuation of income, can influence the ability to pay loan installments or the total payment amount.
Credit value
43,000 lei
Loan duration
10 years (120 monthly installments)
Interest
Variable 12.33% * (IRCC + 6.75pp)
Monthly rate
625 lei
DAE (Annual effective interest rate)
13.19%
Analysis Commission
200 lei
Annual management commission
0 lei
Total cost of credit
32,307 lei
Total amount to be paid
75,307 lei
*In the case of patient loans with variable interest, it consists of the bank's fixed margin, plus the IRCC reference index and varies according to the latter. The interest will be updated and modified quarterly by the bank, depending on the IRCC monetary index. The variation of the reference index, as well as the fluctuation of income, can influence the ability to pay loan installments or the total payment amount.
Credit value
120,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Variable 9.83% * (IRCC + 4.25pp)
Monthly rate
Starting from 1,316 lei
DAE (Annual effective interest rate)
10.57%
Analysis Commission
500 lei
Annual management commission
100 lei
Total cost of credit
181,497 lei
Total amount to be paid
301.497 lei
*In the case of patient loans with variable interest, it consists of the bank's fixed margin, plus the IRCC reference index and varies according to the latter. The interest will be updated and modified quarterly by the bank, depending on the IRCC monetary index. The variation of the reference index, as well as the fluctuation of income, can influence the ability to pay loan installments or the total payment amount.
Credit value
120,000 lei
Loan duration
30 years (360 monthly installments)
Interest
Variable 9.83% * (IRCC + 4.25pp)
Monthly rate
1,038 lei
DAE (Annual effective interest rate)
10.52%
Analysis Commission
500 lei
Annual management commission
100 lei
Total cost of credit
257,764 lei
Total amount to be paid
377,764 lei
*In the case of patient loans with variable interest, it consists of the bank's fixed margin, plus the IRCC reference index and varies according to the latter. The interest will be updated and modified quarterly by the bank, depending on the IRCC monetary index. The variation of the reference index, as well as the fluctuation of income, can influence the ability to pay loan installments or the total payment amount.
