Cost example: For a 5 years Idea::selfie loan of 30,000 lei, with 400 lei loan analysis fee, you can benefit of a minimum fixed interest of 10.4% (monthly installment 643 lei, APR 11.66%, total value to be paid 38,600 lei) up to a maximum fixed interest of 18% (monthly installment 762 lei, APR 20.42%, total value to be paid 45,708 lei). The fixed interest rate from 10.4% up to 18% varies according to your payment history and socio-demographic profile.
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.
Shopping with ZERO interest, ANYWHERE in the world!
Cost example: For Idea::shopping card with a loan limit of 5,367 lei, the interest is 17%/year in the case of the monthly income transfer into an Idea::Bank account. The annual effective interest rate (DAE) is 18.39% over a 1 year period and the total payment is 5.861,21 lei. Values were calculated on the assumption that the loan limit is fully utilized by payments lower than 200 lei, immediately after the grant, and repaid in equal monthly installments. The calculation does not refer to the use of loan limit with interest-free installments.