Benefits

With Idea::selfie personal loan it is simple to turn your ideas into reality!

  • easy to access:
  • generous loan limit: from 4.000 lei up to 100,000 lei
  • low costs: you get one of the best deals in terms of interest rate according to your socio-demographic and financial profile:
    • fixed interest rate*: from 8.9% to 17%
    • floating interst rate*: IRCC 2.17% + fixed margin from 5.7% to 13.8%

* The interest includes a 2 percentage points discount for income transfered through Idea::Bank.

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, rental income, 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 : 65.7 lei

Costs charged during the credit period:

  • You choose the type of interst that suits you:
 

Floating interest

IRCC 2.17% + fixed margin from 7.7% to 15.8%

 

Fixed interest

from 10.9% to 19%

 

Interest discount

2% from the fixed interest/margin for income transfer to Idea::Bank.

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. 9.9%, total value to be paid 37,278 lei) up to a maximum fixed interest of 17% (monthly installment 746 lei, A.P.R. 19.22%, total value to be paid 44,735 lei). The interest rate (from 8.90% up to 17% varies according to your payment history and socio-demographic profile) includes 2 percentage points discount for having your incomes transferred in Idea::Bank accounts.

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 7.87% (monthly installment 606 lei, A.P.R. 8.88%, total value to be paid 36,386 lei) up to a maximum floating interest of 15.97% (monthly installment 729 lei, A.P.R. 18.03%, total value to be paid 43,744 lei). Interest rate was determined using the Reference Index for Consumer Loans (IRCC) from 01.10.2020 worth 2.17% + the fixed margin (from 5.70% up to 13.8% depending to your payment history and socio-demographic profile) and includes discount of 2 percentage points for having your incomes transferred in Idea::Bank accounts.

Refinancing

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

Promotional offer - Refinance loans with Idea::selfie and keep more money in your pocket!

 

Fixed interest*

from 10,9% 7,9% up to 19% 16%    

 

Floating interest*

IRCC 2,17% + fixed margin from 7,7% 4,7% up to 15,8% 12,8%

 

  • refinance at a lower monthly installment because you receive a much better interest rate;
  • refinanced loans taken before November 2011, you can extend the credit period up to a maximum of 8 years;
  • 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).

* The offer for Idea::selfie refinancing personal loan includes the following benefits: 2% discount for transferring income in an Idea::Bank account; 1% 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 7.90% (monthly installment 607 lei, A.P.R. 8.91%, total value to be paid 36,411 lei) up to a maximum fixed interest of 16% (monthly installment 730 lei, A.P.R. 18.06%, total value to be paid 43,773 lei). The interest rate (from 7.90% up to 16% varies according to your payment history and socio-demographic profile) was calculated taking into account a 1% discount for refinancing, plus a 2% discount for transferring income in Idea::Bank accounts.

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 6.87% (monthly installment 592 lei, A.P.R. 7.80%, total value to be paid 35,532 lei) up to a maximum floating interest of 14.97% (monthly installment 713 lei, A.P.R. 16.86%, total value to be paid 42,794 lei). Interest rate was determined using the Reference Index for Consumer Loans (IRCC) from 01.10.2020 worth 2.17% + the fixed margin (from 4.70% up to 12.8% depending to your payment history and socio-demographic profile) and taking into account a 1% discount for refinancing, plus a 2% discount for transferring income in Idea::Bank accounts.

Useful information

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.