• Customer's guide

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	6.740%	6.384%	13.124%	16.39%
	37-60 months	6.740%	8.384%	15.124%	17.82%
	61-120 months	6.740%	15.384%	22.124%	25.66%
EUR	1-36 months	0.903%	9.852%	10.755%	13.66%
	37 - 60 months	0.903%	11.352%	12.255%	14.49%

* 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.

Necessary documents:

Loan application form
Income related documents from salary, pension, rental, etc
Income related documents from dividends
Loan application supplementary guarantees
Check list consumer loan
Co-debtor information
Marriage certificate, in original