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 2.41% + 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 2.41% + 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 8.11% (monthly installment 610 lei, A.P.R. 9.14%, total value to be paid 36,592 lei) up to a maximum floating interest of 16,21% (monthly installment 733 lei, A.P.R. 18.29%, total value to be paid 43,974 lei). Interest rate was determined using the Reference Index for Consumer Loans (IRCC) from 01.07.2020 worth 2.41% + 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.

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.