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 7.77%, consisting of IRCC (5.58% on 01.04.2026) + 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 7.71%, monthly payment amount 2,114.35 LEI in the first 3 years and 2,672.09 LEI starting with year 4, the total payable amount 788,604 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 APR 8.23%.
*If you choose to repay in decreasing installments, the costs are: APR 7.63%, monthly payment amount 2,683.57 LEI in the first 3 years and 3,240.74 LEI starting with year 4, total payable amount 691,411 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 7.97%, consisting of IRCC (5.58% on 01.04.2026) + 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 7.92%, monthly payment amount 2,115.11 LEI in the first 3 years and 2,718.76 LEI starting with year 4, the total payable amount 802,452 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 APR 8.44%.
*If you choose to repay in decreasing installments, the costs are: APR 7.83%, monthly payment amount 2,741.90 LEI in the first 3 years and 3,292.07 LEI starting with year 4, total payable amount 700,190 LEI.