Loan costs
| Credit Product | Type of interest | Interest rate | Currency | Analysis Fee | Early Repayment Fee |
| Overdraft facility | Fixed | 16,00% | Lei | - | Not charged |
| Personal needs loan | Fixed | 18,50% | Lei | Lei 400 | 0.5% / 1%* |
| 15,00% | Eur | Eur 100 | |||
| Personal needs loan with housing destination | Fixed | 17,50% | Lei | Lei 400 | 0.5% / 1%* |
| 14,00% | Eur | Eur 100 | |||
| Car loan | Fixed | 16,50% | Lei | Lei 1000 | 0.5% / 1%* |
| 10,50% | Eur | Eur 250 | |||
| Renovation loan | Fixed | 16,50% | Lei | Lei 400 | 0.5% / 1%* |
| 12,50% | Eur | Eur 100 |
|
Credit Product |
Type of interest |
Interest rate (Reference interest rate + Bank’s margin) |
Reference interest rate
(valid for the period |
Bank’s margin |
Currency |
Analysis Fee |
Early repayment fee |
|
Car loan |
Variable |
13.60% |
Robor 6 months 6.60% |
7% |
Lei |
Lei 1000 / Eur 250 |
Not charged |
|
10.14% |
Euribor 6 months 1.640% |
8.5% |
Eur |
||||
|
Personal needs loan with mortgage |
Variable |
12.60% |
Robor 6 months 6.60% |
6% |
Lei |
Lei 1000 / Eur 250 |
Not charged |
|
9.14% |
Euribor 6 months 1.640% |
7.5% |
Eur |
||||
|
Housing loan |
Variable |
11.60% |
Robor 6 months 6.60% |
5% |
Lei |
Lei 1000 / Eur 250 |
Not charged |
|
8.64% |
Euribor 6 months 1.640% |
7% |
Eur |
*1% applicable to the early repaid capital, if the period of time between the early repayment date and the date of the last due instalment according to the repayment schedule exceeds 365 days;
*0.5% applicable to the early repaid capital, if the period of time between the early repayment date and the date of the last due instalment according to the repayment schedule does not exceed 365 days.
Contract modification fees
|
Single fee for services provided at the request of the customer |
0.50% |
Applicable to the credit balance / credit limit (for loan agreements signed before 01.01.2011) |
|
Single fee for services provided at the request of the customer(for loans in monthly instalments) |
Lei 400 / Eur 100 |
Applicable on the date of the modification request (only for agreements signed after 02.01.2011) |
|
Single fee for services provided at the request of the customer(for overdraft facility) |
Lei 100 |
Applicable on the date of the modification request (only for agreements signed after 02.01.2011) |
|
Other modifications initiated by the Bank |
Not charged |
- If the Client doesn’t have an account opened with the Creditor, an account must be opened, for a fee of Lei 5.
- The Creditor does not charge a fee for cash deposits in the current account.
- The Creditor charges an account maintenance fee of Lei 2 / Eur 0.5 per month, for the Client’s current account in which the loan is granted.
- Upon the Creditor’s request, the collateral assets will be insured by the client, on their own expense, with any insurance company chosen by them, the insurance being transferred in favour of the Bank.
- The costs incurred by any type of collaterals requested by the bank will be paid by the applicant to the appropriate institutions (other than the bank) – mortgage costs, costs for collateral registration in the Electronic Archive of Pledges.