How will be the interest rate calculated?

Collateral type Variable interest rate
Real estate, State Guarantees ROBOR 6M + 5%
Cash Collateral ROBOR 6M + 3%
Unsecured facility ROBOR 6M + 8%

What discounts can be granted?

  • for active payroll convention a discount of 0.5% from bank margin will be granted
  • for active payroll convention and active transactional package a discount of 2.5% from bank margin will be granted


What commissions are involved?

Granting commission

  • in case of secured facilities: 0.5% of the approved limit and 0.25% for every renewal
  • in case of unsecured facilities: 1% of the approved limit and 0.5% for every renewal
  • 0% for cash collateral fully covered loans and for refinancing loans


Commitment Fee

1.2% per annum to the available amount from the credit limit


Evaluation commission (only if necessary):

500 RON for every evaluation report


Letters of guarantee:

  • 0.25% per quarter (or quarter fractions), min 20 EUR, for letters of guarantee issued, secured with cash collateral
  • 0.75% per quarter (or quarter fractions), min 30 EUR, for letters of guarantee issued, secured with other types of securities