Features

More details about Idea::selfie personal loan:

  • Idea::selfie is the perfect solution when you want to change your car, renovate your home or when you want to refinance loans, overdrafts or credit cards from other banks for a single monthly intallment, more advantageous;
  • loan limits: from 4.000 lei up to 100,000 lei;
  • loan period:
    • min. 6 months, max. 3 years for mounts up to 10.000 lei;
    • min. 6 months, max. 5 years for loans higher than 10.000 lei.
  • payment of installments:
  • type of accepted revenues: salary, pension, dividends, copyrights, income from abroad, income from liberal professions, navigators etc.
  • monthly income limits: min. 1,250 lei/individual and 2,500 lei/two individuals;
  • age limits: any Romanian citizen aged between 18 and 65 upon the final maturity of the loan

Costs

Transparent. Advantageous.

Fees charged on granting credit:

  • file analysis fee: 400 lei | ZERO lei in case of refinancing without additional amount
  • Credit Bureau interrogation fee: 2.5 lei
  • registration at the National Register for Movable Property Publicity (R.N.P.M.) fee : 87.60 lei

Costs charged during the credit period:

  • You choose the type of interst that suits you:
 

Floating interest

IRCC 2.65% + fixed margin from 6.04% to 12,64%

 

Fixed interest

from 8.90% to 15.50%

 

The interest varies according to the payment history and the socio-demographic data of the borrower (age, marital status, seniority in work, career level, etc.).

  • loan administration monthly fee: 0 lei
  • current account administration monthly fee: 5 lei  |  ZERO lei with Idea::activ offer
  • early repayment fee:
    • fixed interest:
      • 1% before the last year of the contract
      • 0.5% in the last year of the contract
    • variable interest rate: 0% (conf. OUG 50/2010)

Instalments calculation example - fixed interest: 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 8.90% (monthly installment 621 lei, A.P.R. 10.03%, total value to be paid 37,278 lei) up to a maximum fixed interest of 15.50% (monthly installment 722 lei, A.P.R. 17.50%, total value to be paid 43,296 lei). The interest rate from 8.90% up to 15.50% varies according to your payment history and socio-demographic profile.

Instalments calculation example - floating interest: For a 5 years Idea::selfie loan of 30,000 lei, with 400 lei loan analysis fee, you can benefit of a minimum floating interest of 8.69% (monthly installment 618 lei, A.P.R. 9.80%, total value to be paid 37,095 lei) up to a maximum floating interest of 15.29% (monthly installment 718 lei, A.P.R. 17.26%, total value to be paid 43,096 lei). Interest rate was determined using the Reference Index for Consumer Loans (IRCC) from 01.07.2022 worth 2.65% + the fixed margin (from 6.04% up to 12,64% depending to your payment history and socio-demographic profile).

Refinancing

Refinance your credit cards, overdrafts, personal loans from other banks with Idea::selfie!

Refinance your loans with Idea::selfie and you have an extra 0.5% discount on the standard interest rate, and you keep more money in your pocket!

 

Fixed interest*

from 8.90% 8.4% up to 15.50% 15%    

 

Floating interest*

IRCC 2.65% + fixed margin from 6.04% 5.54% up to 12,64% 12.14%

 

  • refinance at a lower monthly installment because you receive a much better interest rate;
  • get extra money, if you pay the existing loans and access an additional amount (in this case, the new personal loan cannot exceed the period of 5 years).
  • but, if you refinance without additional amount you get:
    • 400 lei ZERO lei application review fee;
    • refinance for up to 10 years (valid for loans granted before 08.07.2020).

* The offer for Idea::selfie refinancing personal loan includes the following benefits: 0.5% discount for internal and external refinancing, with or without additional amount; interest rate varies depending on the socio-demographic profile and previous payment history.

Installments calculation example for refinancing - fixed interest: 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 8.90% 8.40% (monthly installment 614 lei, A.P.R. 9.48%, total value to be paid 36,843 lei) up to a maximum fixed interest of 15.50% 15% (monthly installment 714 lei, A.P.R. 16.90%, total value to be paid 42,822 lei). The interest rate from 8.90% 8.40% up to 15.50% 15% varies according to your payment history and socio-demographic profile.

Installments calculation example for refinancing - floating interest: For a 5 years Idea::selfie loan of 30,000 lei, with 400 lei loan analysis fee, you can benefit of a minimum floating interest of 8.69% 8.19% (monthly installment 611 lei, A.P.R. 9.25%, total value to be paid 36,661 lei) up to a maximum floating interest of 15.29% 14.79% (monthly installment 710 lei, A.P.R. 16.68%, total value to be paid 42,624 lei). Interest rate was determined using the Reference Index for Consumer Loans (IRCC) from 01.07.2022 worth 2.65% + the fixed margin (from 8.90% 8.40% up to 15,29% 14,79% depending to your payment history and socio-demographic profile) and taking into account a 0.5% discount for refinancing.

Useful information

Indices, interest rates, documents (Romanian version only)

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.