Examples
representative
Choose the type of credit
Loan for studies in lei, with real estate guarantee (equal installments)
Credit value
200,000 lei
Loan duration
12 years and 6 months (150 installments)
Interest
variable 9.56%* (IRCC + 4.00pp)
Monthly rate
2.290 lei
DAE (Annual Percentage Rate)
10,25%
Analysis commission
500 lei
Annual management commission
150 lei/year
Total cost of credit
146.499 lei
Total amount to be paid
346,499 lei
*For variable interest rate loans, the interest is composed of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies depending on the evolution of the reference index and the exchange rate. It is important to know that the variation of the reference index, income fluctuations, as well as changes in the exchange rate can influence the ability to pay the loan installments or the total amount payable.
Loan for studies in lei, with real estate guarantee (decreasing installments)
Credit value
200,000 lei
Loan duration
12 years and 6 months (150 installments)
Interest
variable 9.56%* (IRCC + 4.00pp)
Monthly rate
starting from 2,927 lei
DAE (Annual Percentage Rate)
10,29%
Analysis commission
500 lei
Annual management commission
150 lei/year
Total cost of credit
123.399
Total amount to be paid
323.399
*For variable interest rate loans, the interest is composed of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies depending on the evolution of the reference index and the exchange rate. It is important to know that the variation of the reference index, income fluctuations, as well as changes in the exchange rate can influence the ability to pay the loan installments or the total amount payable.
Loan for studies in lei, variable interest, without real estate mortgage (equal installments)
Credit value
39,000 lei
Loan duration
5 years (60 installments)
Interest*
variable 13.31%* (IRCC + 7.75pp)
Monthly rate
894 lei
DAE (Annual Percentage Rate)
14,43%
Analysis commission
200 lei
Annual management commission
0 lei
Total cost of credit
14,903 lei
Total amount to be paid
53.903 lei
*For variable interest rate loans, the interest is composed of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies depending on the evolution of the reference index and the exchange rate. It is important to know that the variation of the reference index, income fluctuations, as well as changes in the exchange rate can influence the ability to pay the loan installments or the total amount payable.
Loan for studies in lei, without real estate guarantee (decreasing installments)
Credit value
39,000 lei
Loan duration
5 years (60 installments)
Interest*
variable 13.31%* (IRCC + 7.75pp)
Monthly rate
starting from 1,083 lei
DAE (Annual Percentage Rate)
14,46%
Analysis commission
200 lei
Annual management commission
0 lei
Total cost of credit
13,482 lei
Total amount to be paid
52.482 lei
*For variable interest rate loans, the interest is composed of the bank's fixed margin plus the IRCC or EURIBOR 6-month reference index and varies depending on the evolution of the reference index and the exchange rate. It is important to know that the variation of the reference index, income fluctuations, as well as changes in the exchange rate can influence the ability to pay the loan installments or the total amount payable.
Work&Travel loan in lei, with fixed interest, if you receive your income in a BT account (equal installments)
Credit value
17,000 lei
Loan duration
2 years (24 installments)
Interest
9%
Monthly rate
777 lei
DAE (Annual Percentage Rate)
10,67%
Analysis commission
200 lei
Annual management commission
0 lei
Total cost of credit
1,927 lei
Total amount to be paid
18.927 lei
Work&Travel loan in lei, with fixed interest, if you receive income in a BT account (decreasing installments)
Credit value
17,000 lei
Loan duration
2 years (24 installments)
Interest
9%
Monthly rate
starting from 836 lei
DAE (Annual Percentage Rate)
10,71%
Analysis commission
200 lei
Annual management commission
0 lei
Total cost of credit
1.881 lei
Total amount to be paid
18.881 lei
Work&Travel credit in euros, with fixed interest, if you receive income in a BT account (equal installments)
Credit value
3.500 euro
Loan duration
2 years (24 installments)
Interest
8%
Monthly rate
160 euro
DAE (Annual Percentage Rate)
10,95%
Analysis commission
50 euro
Annual management commission
0 lei
Total cost of credit
405 euro
Total amount to be paid
3.905 euro
Work&Travel loan in euros, with fixed interest, if you receive income in a BT account (decreasing installments)
Credit value
3.500 euro
Loan duration
2 years (24 installments)
Interest
8%
Monthly rate
starting from 172 euro
DAE (Annual Percentage Rate)
11%
Analysis commission
50 euro
Annual management commission
0 lei
Total cost of credit
395 euro
Total amount to be paid
3.895 euro
