Mortgage loan
- Mortgage loan:
| Currency | XBOR rate | Interest | Interest's formula | Annual effective interest |
|---|---|---|---|---|
| RON | 5.01% | 9.81% | ROBOR 3L + 4.80% | 10.26% |
| EUR | 1.06% | 6.16% | EURIBOR 3L + 5.10% | 6.34% |
- Mortgage loan with monthly salary transfer:
| Currency | XBOR rate | Interest | Interest's formula | Annual effective interest |
|---|---|---|---|---|
| EUR | 1.06% | 5.66% | EURIBOR 3L + 4.60% | 5.81% |
- Mortgage loan - First Home:
| Currency | XBOR rate | Interest | Interest's formula | Annual effective interest |
|---|---|---|---|---|
| EUR | 1.06% | 5.36% | EURIBOR 3L + 4.30% | 5.49% |
The interest rate is calculated based on the 3 monthly evolution of ROBOR and EURIBOR, and is revised quarterly at the beginning of each quarter using the indicator’s value on the 15th of the second month of the quarter preceding the change. Values of the reference indicators are published on the following websites: http://www.bba.org.uk for EURIBOR and http://www.bnro.ro for ROBOR.
The value of the reference indicator XBOR for the 2nd quarter of 2012 was determined on 15.02.2012 and is applicable from 01.04.2012.
