Examples
representative
Choose the type of credit
Patient Loan in lei, variable interest, without real estate mortgage (decreasing installments)
Credit value
43 000 lej
Loan duration
10 anni (120 rate mensili)
Interest
Variable 12,31%* (IRCC + 6,75 százalékpont)
Monthly rate
799 lej-től
DAE (Annual Percentage Rate)
13.19%
Analysis commission
200 lej
Annual management commission
0 lej
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 lej
Loan duration
10 anni (120 rate mensili)
Interest
Variable 12,31%* (IRCC + 6,75 százalékpont)
Monthly rate
625 lej
DAE (Annual Percentage Rate)
13.17%
Analysis commission
200 lej
Annual management commission
0 lej
Total cost of credit
32.247 lej
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 lej
Loan duration
30 years (360 monthly installments)
Interest
Variable 9.81%* (IRCC + 4,25%-pont)
Monthly rate
1.314 lej-től
DAE (Annual Percentage Rate)
10.55%
Analysis commission
500 lej
Annual management commission
100 lej
Total cost of credit
181.236 lej
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 lej
Loan duration
30 years (360 monthly installments)
Interest
Variable 9.81%* (IRCC + 4,25%-pont)
Monthly rate
1.036 lej
DAE (Annual Percentage Rate)
10.5%
Analysis commission
500 lej
Annual management commission
100 lej
Total cost of credit
257.218 lej
Total amount to be paid
377.218 lej
*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.