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Loans > Consumer Loan
LOAN FOR PERSONAL NEEDS - MARFIN 4U
 
TERMS AND CONDITIONS
Loan amount:
Minimum 7.500 EUR.
Maximum 100.000 EUR.
Eligibility criteria
Age:minimum 21 years ( at the date of depositing the credit application ) -max. 72 years: the limit of 72 years can not go over the final reimbursement date.
Indebtment degree: up to 45% of the net income.
Currency:
EUR/RON.
Tenor:
Maximum 20 years.
Reimbursement:
Equal monthly installments.
Interest rate:
Loans in EUR: EURIBOR 3M + FIXED Margin 6.7% - DAE*: 8.16%
Loans in RON: ROBOR 3M + FIXED Margin 7.2% - DAE*: 15.23%
Securities:
Mortgage over an immovable asset
Assignment of the house insurance policy for mortgaged immovable asset (except lands). The value of the house insurance policy should be of minimum 120% of the loan amount.
Pledge over the Borrower's current accounts openned whit Marfin Bank (Romania) SA
Early pre-payment:
Possible any time, pre-payment fee 0%
Loan fee and other related costs:
Loan Analysis fee: 2% flat (payable once, at the signing of the loan contract, from own resources)
Unique fee: EUR 25 (twenty five) applicable for modification of the reimbursement date of the loan, rental/ free usage agreement, consent for merger of immovable assets, consent for dismembering, consent for demolishing, consent for construction, introducing new securities, modification of existing securities, introducing new Guarantors, modification of existing Guarantors, introducing new Guarantors, modification of existing Guarantors, consent for changing the branch during the loan tenor, consent for changing the holder of the insurance policy.
* Example of DAE (Dobanda Anuala Efectiva) calculation:
| Loan Amount:
| EUR 10,000
| RON 42,000
|
| Tenor:
| 240 mons. (20 years)
| 240 mons. (20 years)
|
| Monthly instalment:
| EUR 81.17
| RON 519.54
|
| Interest rate:
| 7.60% p.a.
| 13.91% p.a.
|
| Loan fee:
| EUR 200
| RON 840
|
| Total amount to reimburse:
| EUR 19,479.78
| RON 124,688.55
|
| DAE:
| 8.16 %
| 15.23 %
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