How the interest rate shall be computed?

Collateral type Currency Variable interest rate
Real estate, State guarantees RON ROBOR 6M + margin 4-6%
Cash Collateral RON ROBOR 6M + margin 3%
EUR EURIBOR 6M + margin 4.25%


What commissions are involved?

Granting commission

  • 1% of the approved amount, charged once, at the disbursement moment
  • 0% of the credit, for the loans secured with cash collateral or in case of refinancing loans

The commission can be included in the loan.

Early closing fee

2% of the prepaid amount, payable for the external refinancing only

Appraisal fee (only if necessary)

RON 500 for each of collaterals proposed