Exemplu reprezentativ de cost: Pentru un credit Idea::selfie în sumă de 30.000 lei, contractat pe un termen de 5 ani, cu un comision de analiză dosar de 400 lei, te poți încadra de la o dobândă fixă minimă de 10,40% (cu o rată lunară de 643 lei, DAE de 11,66%, valoare totală plătibilă de 38.600 lei) până la o dobândă fixă maximă de 18% (cu o rată lunară de 762 lei, DAE de 20,42%, valoare totală plătibilă de 45.708 lei). Dobânda fixă are valori cuprinse între 10,40% și 18%, în funcție de profilul tău socio-demografic și financiar.
Cost example: For a real estate investment loan of 400,000 lei, contracted for a period of 25 years (300 monthly installments), with floating interest of 5.66%, composed of IRCC (2.66% valid from 01.10.2019) + 3% fixed margin (taking into account the discount of 0.25 percentage points for transferring the income to an Idea::Bank account), analysis fee 600 lei, cost for property evaluation 0 lei, cost for opening and maintaining a current account in lei 3 lei/month, you pay a monthly installment of 2,497.72 lei. In this case, the AEI (Annual Effective Interest) will be 6.05%, and the total amount paid will be 763,455 lei. In this example, the costs of insuring the property were also taken into consideration, in the event that they would be concluded with the insurance company proposed by the Bank (UNIQA Asigurări): the PAD insurance premium amounting to 20 euros/year at the NBR exchange rate from 01.10.2019, respectively the estimated annual insurance premium for the optional policy calculated as 0.1% applied to the estimated value of the building.
* Fixed interest ranges from 8.4% to 16% according to your socio-demographic and financial profile and includes a 2% discount for transferring your income through Idea::Bank. For a 5 years Idea::selfie loan of 30,000 lei, with 400 lei loan analysis fee, the interest interest will range from a minimum fixed interest of 8.4% (monthly installment 614 lei, APR 9.45%, total value to be paid 36,843 lei) to a maximum fixed interest of 16% (monthly installment 730 lei, APR 18.06%, total value to be paid 43,773 lei).
