• Idea Bank
  • About Idea::Bank
  • Press Room
  • Idea::Bank comes with a new offer for personal loans – EAR starting from 8%
Share this page Share on Facebook Share on Google+ Share on LinkedIn

New: EAR starting from 8% for consumer loans

Bucharest, 2 September 2015

Idea::Bank relaunches consumer loans with the largest unsecured amount, RON 120,000, and an interest rate that was reduced by up to 15%.

The new offer on the Idea::Selfie product maintains the basic features of the product – simple and easy to obtain – by allowing the loan application to be filed accompanied by a single document (based on revenue query agreement in the ANAF database) and offering a quick approval, with new benefits added for the bank’s customers:

  1. An increased maximum limit for unsecured loans, of up to RON 120,000, as compared to the previous RON 90,000.
  2. Introducing a special offer for customers who choose to have their salary/income paid in Idea::Bank accounts: a reduction of 1 percentage point as compared to the standard offer, resulting in an interest rate starting from only 7.22% (EAR 8%).
  3. Launching a promotional offer until 31 October 2015, when all customers contracting an Idea::Selfie loan will automatically receive a 0.7 percentage points decrease on their interest rate. This offer shall not be aggregated with the discount granted to customers choosing to have their salary paid in Idea::Bank accounts.

„Idea::Bank’s lending strategy adapts to the market dynamics and the special characteristics of its customers, being at the same time proactive and prudential. Noting that more than 12% of Idea::Selfie customers expressed their intention to get a higher loan and more than 80% of the customers have a very good credit profile, the product upgrade came naturally, with the newly introduced benefits satisfying actual needs and also placing Idea::Bank’s lending offer in the top ranking products in its category. ” – Alin Fodoroiu, Idea::Bank Products Director.

Sample calculation: For a loan of RON 35,000 with a 5 years maturity, the annual variable interest rate, if the client opted to collect revenues in the Idea::Bank account, starts from 7.22% (for a variable ROBOR 3M of 1.32% valid on 12.08.2015), with an analysis fee of RON 250, resulting a monthly installment of RON 699 and a total repayment amount of RON 42,243, with an EAR starting from 8%.

For further information, get in touch with us!

Mihaela Savu

Communication & PR Manager

0722 556 103 | mihaela.savu@idea-bank.ro

Idea::Bank
  • Contact
  • myBank
  • EN
    • RO
  • Individuals
    Savings
    Term deposit
    Accounts
    Current account
    Cards
    Salary foto card Platinum debit card Installments card Installments card gold Idea::Smart shopping online
    Idea::remote services
    Idea::myBank Idea::alerts Installments payment 3D Secure Idea::activ
    Banking operations
    Exchange rate
    • Idea::exchange rate
    • Contact
  • About Idea::Bank
    Stay Safe - Safety measures

    It is important to find solutions together to get...

    Bank profile

    Idea::Bank is a young bank offering financial and...

    Useful information

    Addresses, terms, general business conditions, int...

    Careers

    Join our team!

    Idea::Bancassurance

    Your plans are now secured using the insurance pro...

    Press Room

    The latest news, events and updates on Idea::Bank.

    BIC/SWIFT

    List of correspondent banks

    Partners

    Idea::Bank and Idea::Leasing are part of Idea Grou...

    Idea::CSR

    Determined to always find practical, simple, diffe...

    Security

    The security of your information is very important...

    Investor Relations

    Welcome to the Investor Relations section. This s...

    Help Idea::myBank

    Everything you need to know about Idea:myBank, the...

    • Idea::exchange rate
    • Contact
  • Update data
  • myBank
  • Individuals
    • Inapoi
    • Savings
      • Inapoi
      • Term deposit
    • Accounts
      • Inapoi
      • Current account
    • Cards
      • Inapoi
      • Salary foto card
      • Platinum debit card
      • Installments card
      • Installments card gold
      • Idea::Smart shopping online
    • Idea::remote services
      • Inapoi
      • Idea::myBank
      • Idea::alerts
      • Installments payment
      • 3D Secure
      • Idea::activ
    • Banking operations
      • Inapoi
      • Exchange rate
  • About Idea::Bank
    • Inapoi
    • Stay Safe - Safety measures
    • Bank profile
    • Useful information
    • Careers
    • Idea::Bancassurance
    • Press Room
    • BIC/SWIFT
    • Partners
    • Idea::CSR
    • Security
    • Investor Relations
    • Help Idea::myBank
  • Idea::exchange rate
  • Contact

Site search

Enter keywords and press ENTER

  • salut@idea-bank.ro
  • Contact *4455 / 021.318.95.00
  • Cookies settings
  • Portal API
  • ANPC
  • CSALB
  • FGDB
  • Terms and conditions
  • Processing of personal data
  • Privacy policy
  • Individuals
    Savings
    Term deposit
    Accounts
    Current account
    Cards
    Salary foto card Platinum debit card Installments card Installments card gold Idea::Smart shopping online
    Idea::remote services
    Idea::myBank Idea::alerts Installments payment 3D Secure Idea::activ
    Banking operations
    Exchange rate
  • About Idea::Bank
    Stay Safe - Safety measures

    It is important to find solutions together to get...

    Bank profile

    Idea::Bank is a young bank offering financial and...

    Useful information

    Addresses, terms, general business conditions, int...

    Careers

    Join our team!

    Idea::Bancassurance

    Your plans are now secured using the insurance pro...

    Press Room

    The latest news, events and updates on Idea::Bank.

    BIC/SWIFT

    List of correspondent banks

    Partners

    Idea::Bank and Idea::Leasing are part of Idea Grou...

    Idea::CSR

    Determined to always find practical, simple, diffe...

    Security

    The security of your information is very important...

    Investor Relations

    Welcome to the Investor Relations section. This s...

    Help Idea::myBank

    Everything you need to know about Idea:myBank, the...

  • ZERO commissions if you make at least 3 payments
    Idea::activ