SUPER MORTGAGE LOAN OFFER

For a green mortgage loan worth 350,000 LEI, granted over a period of 25 years, repayable in 300 equal monthly installments*, if the income is collected in the current account opened at Intesa Sanpaolo Bank and life insurance is opted for, the costs are as follows: fixed interest rate in the first 3 years of 4.89%, variable interest rate starting with year 4 of 7.87%, consisting of IRCC (5.68% on 01.01.2026) + fixed margin of 2.19%, file analysis fee of 600 LEI, current account administration costs of 0 LEI/month (cost valid if an account package from the current offer is accessed, for the duration of holding the package, otherwise being 8 LEI/month), APR is 7.79%, monthly payment amount 2,114.35 LEI in the first 3 years and 2,692.84 LEI starting with year 4, the total payable amount 794,119 LEI, which also includes the PAD insurance premium of 130 LEI/year, respectively 453 LEI/year for the optional policy (estimated value, assuming the policy is concluded through the bank), as well as the life insurance premium in an estimated value of 0.0259%/month, applied to the loan balance.
If the income is not collected in the current account opened at Intesa Sanpaolo Bank and the life insurance is waived, the interest becomes 5.70% in the first 3 years, respectively IRCC + 3.00% thereafter and DAE 8.62%.
*If you choose to repay in decreasing installments, the costs are: APR 7.70%, monthly payment amount 2,683.57 LEI in the first 3 years and 3,266.41 LEI starting with year 4, total payable amount 694,812 LEI.

For a mortgage loan worth RON 350,000, granted over a period of 25 years, repayable in 300 equal monthly installments*, if the income is collected in the current account opened at Intesa Sanpaolo Bank and life insurance is opted for, the costs are as follows: fixed interest rate in the first 3 years of 5.09%, variable interest rate starting with year 4 of 8.07%, consisting of IRCC (5.68% on 01.01.2026) + fixed margin of 2.39%, file analysis fee of 600 LEI, current account administration costs of 0 LEI/month (cost valid if an account package from the current offer is accessed, for the duration of holding the package, otherwise being 8 LEI/month), APR is 7.99%, monthly payment amount 2,115.11 LEI in the first 3 years and 2,739.70 LEI starting with year 4, the total payable amount 808,016 LEI, which also includes the PAD insurance premium of 130 LEI/year, respectively 453 LEI/year for the optional policy (estimated value, assuming the policy is concluded through the bank), as well as the life insurance premium in an estimated value of 0.0259%/month, applied to the loan balance.
If the income is not collected in the current account opened at Intesa Sanpaolo Bank and the life insurance is waived, the interest becomes 5.90% in the first 3 years, respectively IRCC + 3.20% thereafter and DAE 8.83%.
*If you choose to repay in decreasing installments, the costs are: APR 7.90%, monthly payment amount 2,741.90 LEI in the first 3 years and 3,317.74 LEI starting with year 4, total payable amount 703,590 LEI.