Idea::selfie+ personal loan with insurance


Benefits

Idea::selfie+ is more than just a loan!

  • easy to access:
    • apply online 
    • visit the nearest Idea::Bank branch presenting only your ID card
  • you are protected with the option Idea::relax, a life and unemployment insurance valid during the loan offered by ERGO | one-time insurance premium of 7.5% of the loan amount
  • convenient pricing: 
    • variable interest rate: calculated based on ROBOR 3 months + 5% fixed margin
    • fixed interest rate: 8.06% on grant, respectively from 9.96% to 16.46% in case of termination of insurance
  • ZERO lei loan analysis fee if you refinancing with no additional amount

 

Features

What you need to know about Idea::selfie+ personal loan with Idea::relax life insurance powered by ERGO?

  • it is ideal for your personal needs or you could use it as a profitable alternative to refinance other loans, credit cards or overdrafts, and also get an additional amount (as long as you don’t need more than the maximum limit, 100,000 lei)
  • loan value: minimum 15,001 lei, maximum 100,000 lei (if you choose to pay the insurance premium from the loan amount the maximum amount is 92,500 lei)
  • loan period: minimum 6 months, maximum 5 years
  • types of accepted incomes: salary, pension, dividends, rental income, copyrights, income from abroad, income from liberal professions, navigators etc.
  • incomes limits: minimum income of 1,000 lei/person (Bucharest) and 800 lei/person (rest of the country) or 2,000 lei/family (Bucharest) and 1,600 lei/family (rest of the country)
  • 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
  • you can pay your installments:

Idea::relax insurance

It protects you for the entire duration of the loan from less pleasant moments that may occur in the future.

Idea::relax life insurance is offered in partnership with ERGO, a reliable company, recommended by its customers for its fairness and transparency. 

  • insured risks:
    • death and total permanent disability from the accident (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
    • death from any cause - the insurer pays an indemnity equal to 75% of the amount of the loan balance to be reimbursed
    • unemployment - you will receive an indemnity paid by the insurer, which will cover up to 6 consecutive loan installments for one event throughout the insurance period.
  • insurance premium: represents 7.5% of the loan value and it is paid upon loan granting in one installment (from the loan or from the borrower’s own sources).
  • insurance duration: coincides with the duration of the loan

Costs

For transparency and safety of your money find below all costs associated Idea::selfie+

Fees charged upon granting the loan:

  • loan analysis fee: 400 lei
  • credit Bureau query fee: 2,5 lei
  • electronic Archive registration fee: 65.7 lei
  • cash withdrawal from the loan: 0 lei

Fees charged during the loan period:

  • variable interest: ROBOR 3 months + fixed margin 5%

      OR

  • fixed interest: 8.06% on grant, respectively from 9.96% to 16.46% in case of termination of insurance
  • discount:  -0.5% (0.5 percentage points) if you choose to transfer your incomes in an Idea::Bank account
  • monthly loan management fee: 0 lei
  • early repayment fee:
    • variable interest: 0 lei according to OUG 50/2010
    • fixed interest:
      • 1% before the last year of the contract
      • 0.5% in the last year of the contract
  • monthly standard current account management fee: 3 lei
  • unique fee for services provided at the customer's request: 100 lei
  • penalty interest: a fixed margin of 3 percentage points above the current annual interest rate, applicable from the first day of delay on the overdue principal

 

Instalments calculation example - variable interest

For a 5 years Idea::selfie+ loan of 30,000 lei, with 400 lei loan analysis fee and 2,250 lei insurance premium, the monthly installment is 588 lei, corresponding to a variable interest of 6.54% (APR 11.13%, total value to be paid 35,253 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 8.44% (with a monthly installment of 615 lei, APR of 9.51%, total value to be paid: 36,878 lei) up to a maximum variable interest of 14.94% (with a monthly installment of 713 lei, APR of 16.85%, total value to be paid 42,765 lei).

Interest rate was determined using the formula ROBOR 3 months valid on 09.02.2018 of 2.04% + the fixed margin (5% upon granting, respectively from 6.9% to 13.4% in the case the insurance is terminated) and includes discount of 0.5 percentage point for having your incomes transferred in Idea::Bank accounts.

Instalments calculation example - fixed interest

For a 5 years Idea::selfie+ loan of 30,000 lei, with 400 lei loan analysis fee and 2,250 lei insurance premium, the monthly installment is 602 lei, corresponding to a fixed interest of 7.56% (APR 12.29%, total value to be paid 36,120 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 9.46% (with a monthly installment of 629 lei, APR of 10.62%, total value to be paid: 37,768 lei) up to a maximum variable interest of 15.96% (with a monthly installment of 729 lei, APR of 18.02%, total value to be paid 43,734 lei).

Interest rate (8.06% on grant, respectively from 9.96% to 16.46% in case of termination of insurance) includes discount of 0.5 percentage point for having your incomes transferred in Idea::Bank accounts.

Refinanțează

Refinanțează-ți cardurile de credit, overdraftul, creditele de nevoi personale de la alte bănci cu Idea::selfie+!

  • cu ajutorul creditului de refinanțare poți avea o rată lunară mai mică pentru că la noi ai o dobândă mult mai avantajoasă
  • dacă refinanțezi creditele luate înainte de noiembrie 2011, poți extinde perioada de creditare până la maxim 8 ani
  • obții bani în plus, adică îți poți achita creditele existente și îți iei și o sumă suplimentară (în acest caz, noul credit de nevoi personale nu poate depăși perioada de 5 ani)
  • economisești: pentru refinanțări fără sumă suplimentară ai 400 ZERO lei comision de analiză dosar.

 

Ofertă promoțională -  Refinanțare cu rate fixe!

Refinanțează creditele de la alte bănci prin creditul Idea::selfie cu dobândă fixă și păstrează mai mulți bani în buzunarul tău!

  • dobândă fixă redusă: de la 8,06% 6%, respectiv de la 9,96% 7,9% până la 16,46% 14,4% în cazul încetării asigurării n funcție de profilul tău socio-demografic și istoricul de plată anterior;
  • discount 50% comision analiza dosar pentru refinanțare cu sumă suplimentară: 400 200 lei.

Oferta promoțională se referă la costurile standard ale creditului de nevoi personale Idea::selfie+ cu dobândă fixă, se aplică exclusiv pentru refinanțările externe, cu sau fără sumă suplimentară și nu se cumulează cu alte discounturi pentru dobândă. Oferta este valabilă în perioada 15.01 - 28.02.2018.

Useful information

Indices, interest rates, client guide.

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 revenues, you can download it here.

If you want to find out more, read the Client Guide - you can download it from Useful for you section.

How to apply

Yes, is this easy to apply for Idea::selfie+ personal loan!

  • fill in the online loan application form
  • call *4455 / 021.318.95.00
  • send a text to 1710 with the word "selfie+" and we will call you back
  • visit one of our branches with just your 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)