THE PERSONAL LOAN

The unsecured personal loan is a consumer loan for your current or family needs.

Destination:

  • financing your personal needs
  • refinancing some personal loans and an additional amount of money / refinancing the balance of your loans

Characteristics:

  • Fixed interest, for the entire duration of the loan
  • Variable interest, for the entire duration of the loan, calculated according to the formula: fixed margin for the entire duration of the loan agreement + CLB (Consumer loan benchmark) every 3 months
  • You can find the history of the CLB on the website of the National Bank: www.bnr.ro
  • stable income of at least 3 months and good payment behavior
  • minimum 6 months seniority in work
  • maximum period of 5 years
  • maximum amount of RON 225 000
  • age between 20-70 years
  • interest reductions on salary transfers and loan refinancing (between 0.5% -2.5%)

Etapele dosarului tău de credit

1

Offer presentation:

  • You: come to us, give us details about the desired loan, your income, other rates
  • We: make calculations, we present you the most advantageous loaning solutions suitable for you, we answer all your questions related to offers. Ready! You have chosen and we are moving on.
  • The file: together we prepare the necessary documents for your file; we provide you a list of the documents needed from the employer, we fill in the bank forms together and we give you an estimate of the time required for each stage of the file.
2

Financial analysis of the file:

  • We: send the file for analysis, we support your file so that you receive quick approval, without adjustments; it is important to know that: we inform you as soon as campaigns with more advantageous costs appear at the partner banks
  • The bank: approves your credit file or not
3

Signing the contract:

  • We: we inform you that your loan has been approved and together with you and the bank, we schedule a date and hour to sign the loan agreement
  • You: allocate time for signing the contract with the bank, on the set date and time
4

Transferring the money into the account and taking possession:

  • The bank: after signing the loan agreement, the money is sent to your account and you can withdraw it immediately, if it is a new loan (without other loans to be refinanced).
  • We: we offer you all the support so that the signing can be done quickly and easily

Vrem sa tinem legatura. Primesti notificari cu oferte personalizate, mereu in avantajul tau!

Da, vreau