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 5.63%, composed of IRCC (2.63% valid from 01.07.2019) + 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 2,490.50 lei. In this case, the DAE (Annual Effective Interest) will be 6.01%, and the total amount paid will be 762,181 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 01.07.2019, 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!
Zero issuance and administration fees during the first year*
Calculation 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.
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* Fixed interest ranges from 8.9% to 15% according to your socio-demographic and financial profile and includes a discount of 1% 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 8.9% (with a monthly installment of 621 lei, APR 10%, total value to be paid 37,278 lei) to a maximum fixed interest of 15% (with a monthly installment of 714 lei, total value to be paid 42,822 lei, APR 16.9%).