How will be the interest rate calculated?

Collateral type Variabile interest rate
Real estate, State Guarantees ROBOR 6M + 7%
Cash Collateral ROBOR 6M+ 3%
Unsecured facility ROBOR 6M + 10%

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

  • 1% of the approved amount, charged once, at the disbursement moment, in case of secured facilities
  • 0% of the credit, for the loans secured with cash collateral or in case of refinancing loans
  • 2% of the approved amount, charged once, at the disbursement moment, in case of unsecured facilities

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