Fast personal loan with insurance Idea::click+
With the fast personal loan Idea::click+ you can easily get up to 15,000 lei!
- easy to access:
- online with The Calculator of Wishes
- come in the nearest Idea::Bank branch with only your ID
- safety: you are protected from unforeseen situations with Idea::relax+ option, a life and unemployment insurance valid during the loan period, offered in partnership with ERGO
- reduced interest rate: 1% (one percentage point) if you choose to transfer your income through Idea::Bank
Simple to apply! Fast to get!
- loan amount: between 1,500 lei and maximum 15,000 lei
- loan period: minimum 6 months, maximum 5 years
- types of income accepted: earnings from wages and salary or pensions
- monthly income limits: minimum income of 800 lei for a single applicant, co-borrower not accepted for Idea::click+
- applicant age: Romanian citizens aged between 18 and 70 at the end of the contract (65 years for seafarers)
- ways to repay the loan rates:
- via internet banking Idea::iBank
- in any branch Idea::Bank
- at SelfPay payment stations
It's a simple life and unemployment insurance product, attached to Idea::click+, which protects you against unfortunate situations.
Idea::relax+ is offered in partnership with ERGO Life Insurance.
- Insured risks
- death and total permanent disability from any cause (death for the insured persons over 65 years old) - in this undesirable situation, the family is protected, the balance of the loan being reimbursed by the insurer
- unemployment: you will receive an indemnity paid by the insurer, which will cover up to 6 consecutive loan installments for maximum 2 events throughout the insurance period.
- Insurance premium: 9% of the loan value
- Insurance duration: coincides with the duration of the loan
Go to Useful Information for Idea::relax+ insurance conditions.
Find below the costs associated with Idea::click+
Commissions charged on grating the loan - retained from the loan amount (or paid from own sources by the client)
- Loan analysis fee: 200 lei
- Credit Bureau query fee: 2.5 lei / consultation
Commissions charged during the loan Idea::click+
|Variable interest rate||OR||Fixed interest rate|
|ROBOR 3 months + fixed margin from 7.9% up to 15.9%, respectively from 12.9% to 22.9% in case of insurance termination||from 11.9% up to 19.9% on granting, respectively from 16.9% up to 26.9% in case of insurance termination|
|Interest rate varies depending on your socio-demographic profile and previous payment history.|
- discount: 2% (two percentage points) of the margin / fixed interest rate if you opt for transferring your income to an account opened at Idea::Bank
- Monthly loan management fee: 0% (zero)
- Early repayment fee:
- Variable interest rate: 0 lei according to OUG 50/2010
- Fixed interest rate:
- 1% before the last contract year
- 0.5% in the last year of the contract
- Unique commission for other services request by the client: 100 lei
- Other fees:
- cash withdrawal from the credit: 0 (zero) at the cash desk, excluding the cost of the payment instrument, if this method is used
- current account management fee (monthly): 3 lei
Instalments calculation example - variable interest
For a 3 years Idea::click+ loan of 7,500 lei, with 200 lei loan analysis fee and 675 lei insurance premium, you can benefit of a minimum variable interest of 8.87% (with a monthly installment of 238 lei, APR 19.08%, total value to be paid 8,570 lei) up to a maximum variable interest of 16.87% (with a monthly installment of 267 lei, APR 29.37%, total value to be paid 9,609 lei). If the insurance is terminated during the loan period, depending on your socio-demographic and financial profile, you can be eligible for a minimum variable interest of 13.87% (with a monthly installment of 256 lei, APR of 17.01%, total value to be paid 9,211 lei) up to a maximum variable interest of 23.87% (with a monthly installment of 294 lei, APR of 29.25%, total value to be paid 10,574 lei). Interest rate was determined using the formula ROBOR 3 months valid on 07.01.2019 of 2.97% + the fixed margin (from 7.9% up to 15.9% on grating, respectively from 12.9% up to 22.9% in case of termination of insurance) and includes discount of 2 percentage points for having your incomes transferred in Idea::Bank accounts.
Instalments calculation example - fixed interest
For a 3 years Idea::click+ loan of 7,500 lei, with 200 lei loan analysis fee and 675 lei insurance premium you can benefit of a minimum fixed interest of 9.9% (with a monthly installment of 242 lei, APR 20.33%, total value to be paid 8,699 lei) up to a maximum fixed interest of 17.90% (with a monthly installment of 271 lei, APR 30.71%, total value to be paid 9,748 lei). If the insurance is terminated during the loan period, depending on your socio-demographic and financial profile, you can be eligible for a minimum fixed interest of 14.90% (with a monthly installment of 260 lei, APR of 18.19%, total value to be paid 9,346 lei) up to a maximum variable interest of 24.90% (with a monthly installment of 298 lei, APR of 30.53%, total value to be paid 10,721 lei). Interest rate (11.90% up to 19.90% on grating, respectively from 16.90% up to 26.90% in case of termination of insurance) includes the discount of 2 percentage points for having your incomes transferred in Idea::Bank accounts.
Indices, interest rates, documents
The public reference indices currently used in determining the interest rate for individuals loans granted as of 31.07.2014 are available on the NBR website. This is where you can also find the historical evolution of these values.
If you need a certificate attesting your incomes, you can download it here.
If you want to find out more, read the Client Guide - you can find it in Useful for you section.
How to apply
You can choose the best way to apply for the fast loan Idea::click+