• Personal loan with fixed interest rate:

Currency	XBOR rate	Interest rates	Interest's formula	Annual effective interest
RON	-	14.05%	FIXED interest rate	14.99%*

 

• Personal loan:

Currency	XBOR rate	Interest rates	Interest's formula	Annual effective interest
RON	5.01%	13.64%	ROBOR 3L + 8.63%	14.53%*

 

• Personal loan with monthly salary transfer:

Currency	XBOR rate	Interest rates	Interest's formula	Annual effective interest
RON	5.01%	12.89%	ROBOR 3L + 7.88%	13.68%*

 

• Personal loan - refinancing:

Currency	XBOR rate	Interest rates	Interest's formula	Annual effective interest
RON	5.01%	13.14%	ROBOR 3L + 8.13%	13.96%*

 

* calculated for the maximum term

The interest rate is calculated based on the 3 monthly evolution of ROBOR, 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. The value of the reference indicator is published on the following website: http://www.bnro.ro.

The value of the reference indicator ROBOR for the 2nd quarter of 2012 was determined on 15.02.2012 and is applicable from 01.04.2012.