Private Individuals

Overdraft facility

How can you use the overdraft facility?

• You may use the overdraft to meet any personal needs you or your family might have.
• The maximum value of the overdraft equals three of the applicant’s permanent monthly salaries or pensions (for retired private individuals), but up to a limit of Lei 20,000.
• The overdraft facility is granted for a period of maximum 24 months

Personal needs loan

What is the purpose of personal needs loan without mortgage?

• You may use the personal needs loan without mortgage to meet any personal needs you or your family might have;
• You can refinance the loans from the bank, or from other financial institutions, disbursed for the above-mentioned purposes.
• The maximum loan value is EUR 10,000 for a period of up to 5 years.

Personal needs loan with mortgage

What is the purpose of personal needs loan with mortgage?

• You may use the personal needs loan with mortgage to meet any personal needs you or your family might have;
• You can refinance the loans from the bank, or from other financial institutions, disbursed for the above-mentioned purposes.
• The maximum loan value is EUR 30,000 for a period of up to 5 years.

Personal needs loan with housing destination

What is the purpose of personal needs loan with housing destination?

• You may use the personal needs loan with housing destination to meet personal housing destination needs (house refurbishing) you or your family might have;
• You can refinance the loans from the bank, or from other financial institutions, disbursed for the above-mentioned purposes.
• The maximum loan value is EUR 10,000 for a period of up to 5 years.

Car loan

What is the purpose of the car loan?

• You can use the car loan for the purchase of new and second hand cars. Used cars cannot be older than 5 years.
• You can refinance the loans from the bank, or from other financial institutions, disbursed for the above-mentioned purposes.
• The maximum loan value is EUR 30,000 for a period of up to 5 years.
• The vehicle bought from the loan may be accepted as the only collateral only if you make a down-payment of at least 25% of the purchase value of said vehicle. 

What fees do I need to pay?

• Analysis fee for the credit file / credit facility;
• Partial / total early repayment fee for the loan;
• Single fee for services provided at the request of the customer.

The loan agreement is provided at any of the Bank’s offices, to all the persons who request information on the credit products offered by the Bank and to all those who file a loan application.