Idea::selfie personal loan
With Idea::selfie personal loan it is simple to turn your ideas into reality!
- easy to access:
- generous loan limit: from 15.001 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 15%*
* The interest includes a 1 percentage point discount for revenues transfered through Idea::Bank.
More details about Idea::selfie personal loan:
- loan limits: up to 100,000 lei
- loan period: minimum 6 months, maximum 5 years
- type of accepted revenues: salary, pension, dividends, rental income, copyrights, income from abroad, income from liberal professions, navigators etc.
- monthly income limits: minimum 1,500 lei/person
- age limits: any Romanian citizen aged between 18 and no more than 70 years (65 years for navigators) upon the final maturity of the loan can apply
- payment of installments:
Fees charged upon granting the loan:
- loan analysis fee: 400 lei (paid upon granting for loan amount or from borrower’s own sources) | ZERO lei in case of refinancing with no additional amount
- credit Bureau query fee: 2.5 lei
- electronic Archive registration fee: 65.7 lei
Fees charged during the loan period:
- Fixed interest: from 9.9% to 16%
The interest depends on payment history and socio-demographic data of the borrower (age, marital status, work seniority, etc.)
- discount: 1% (one percentage point) of the fixed interest, if you transfer your incomes in an Idea::Bank account
- monthly loan management fee: 0 lei
- monthly current account management fee: 3 lei
- early repayment fee: 0 lei according to 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, the interest interest will range from a minimum fixed interest of 8.90% (with a monthly installment of 621 lei, APR 10%, total value to be paid 32,278 lei) to a maximum fixed interest of 15% (with a monthly installment of 714 lei, total value to be paid 42,822 lei, APR 16.90%). The fixed interest rate (from 9.90% to 16%, according to your socio-demographic and financial profile) includes a discount of 1% point for having your incomes transfered in Idea::Bank accounts.
Refinance your credit cards, overdrafts, personal loans from other banks with Idea::selfie!
- you can have a lower monthly installment because we offer a better interest deal
- if you refinance loans granted before November 2011, you can extend your loan period to up to 8 years
- you get extra money, meaning you can pay off your current loan and get something extra (in this case, the new consumer loan will not exceed 5 years)
- for refinancing without additional amounts, you get
400ZERO lei loan analysis fee.
Offer - Advantageous refinancing, lower installment! Refinance your loans with Idea::selfie and keep more money in your pockets!
- reduced variable interest rate: ROBOR 3 months + fixed margin from
5.5%4% to 10.5%9%
- reduced fixed interest rate: from
9.3%7.8% to 14.3%12.8%
* The offer is valid until 31.12.2018, with the following benefits: 1% discount at the standard interest rate - variable or fixed - for Idea::selfie loan, both for internal and external refinancing, with or without additional amount + 0.5% discount for revenue transfer through Idea::Bank. Interest rate varies depending on your socio-demographic profile and previous payment history.
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
With one phone call or with one click you can apply for Idea::selfie personal loan!
- online, using The Calculator of Wishes (Romanian version only)
- send a text to 1710 with "selfie" and we will get back to you in no time
- call *4455 / 021.318.95.00 (no overcharge)
- come to the nearest Idea::Bank branch with your valid ID card (in case of refinancing or in other special cases, other documents may be requested from which to result the IBAN and the data about the refinanced loans)