Do you urgently need money without justifying the destination? Apply now for the unsecured consumer loan at Banca Romaneasca!
ADVANTAGES:
You do not have to justify the destination of the money
The loan can be granted in RON or EUR
Different types of incomes are accepted
ELIGIBILITY CRITERIA
Romanian or foreign citizen with permanent or temporary residence in Romania
Aged between 24 and 70 years
The minimum income is RON 800 for the loans granted in RON and RON 1100 for the loans granted in EUR
NECESSARY DOCUMENTS for the loan file:
ID for the applicant, spouse and co-borrower (original)
Marriage certificate, if case (original)
Last utility invoice (electricity, phone, etc.-original)
Proving documents for the current income (example: Income certificate)
Proving documents for the income obtained in the last concluded year (example: fiscal statement for employees)
LOAN CHARACTERISTICS
Characteristics
RON
EUR
Minimum amount
2.000
500
Maximum amount
45.000
10.000
Minimum tenor
-
-
Maximum Tenor
120 months
60 months
Analysys fee
3%
3%
Monthly administration commission
Not applicable
Not applicable
Early repayment fee
Not applicable
Not applicable
INTEREST RATES How to calculate interest rate: Variable interest rate = Reference Index* + Fixed Margin
Currency
Tenor
Reference Index
Margin
Variable interest rate
APR
RON
1-36 months
6.45%
6.384%
12.834%
16.05%
37-60 months
6.45%
8.384%
14.834%
17.48%
61-120 months
6.45%
15.384%
21.834%
25.30%
EUR
1-36 months
0.682%
9.852%
10.534%
13.41%
37 - 60 months
0.682%
11.352%
12.034%
14.24%
* Reference Index EURIBOR/ ROBOR 3M - is determined based on loan currency according to the reference index value valid on the 15th of February, 15th of May. 15th of August and 15th of November, with application starting with 25th of February, 25th of May. 25th of August and 25th of November.
You can find out more information about the Unsecured Consumer Loan by accessing the Customer's guide.
