Personal needs loan
A loan for your projects
No surprises
Flexible
Maximum amount
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Monthly installmentFixed IR monthly installmentEUR
- Loan amount - EUR
- Tenor - -
- Interest rate Fixed interest rate - %
- APRC - %
- Loan processing fee - LEI
- Amount to repay - HRK
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Monthly installmentEUR
- Monthly installment Fixed IR monthly installment - HRK
- Loan amount - HRK
- Tenor - -
- Interest rate Fixed interest rate -
- APRC - %
- Loan processing fee - LEI
- Amount to repay - HRK
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The calculator uses the lowest interest rate. For other interest rates, please see the representative examples below.
For a consumer loan worth 50,000 LEI, granted for a period of 5 years, repayable in 60 equal monthly installments, if the income is collected in the current account opened at Intesa Sanpaolo Bank, the costs are as follows: average fixed interest rate of 7.90%, analysis fee of 200 LEI, current account administration fee of 0 LEI/month (if an account package is accessed, during the period of holding the package, otherwise it is 8 LEI/month), the APR is 8.46%, monthly payment amount 1,011.43 LEI, the total payable amount 60,974 LEI.
If the income is not collected in the current account opened at Intesa Sanpaolo Bank, the interest becomes 8.90% and the APR becomes 9.54%.
You will have
Fixed interest rate ranging from 5.90% to 10.90%*, determined based on a number of factors considered during the credit application assessment, such as your relationship history with the bank, your credit history, and your repayment behavior on existing or previous loans, provided you choose to have your income transferred to an account opened with Intesa Sanpaolo Romania.
Maximum loan amount: RON 150,000
Loan term: 12–60 months
*If you choose not to have your income transferred to an Intesa Sanpaolo Romania account, the above interest rate increases by 1 percentage point. APR ranges between 6.32% and 12.88%, calculated for a loan of RON 50,000 granted for a 5-year term.
Eligibility criteria
Minimum net monthly income: RON 3,500
Employment history: At least 12 months of total employment, including 4 months with the current employer
Loan usage
The money will be transferred into your Intesa Sanpaolo Bank current account. You can use your existing current account or opt for a new account opening.
The loan amount can be either by keept and used from the current account, cashed-out in any Intesa Sanpaolo branch, transferred to a product or service provider according to your instructions (when you want to buy a car, for example) or transferred to other bank's account (if refinancing other loans).
The loan disbursement transaction is free of charge.
Loan repayment
Please make sure the instalment amount is available in the loan account at payment due date. If you chose to have your income in an Intesa Sanpaolo Bank account, then you don't need to transfer the instalment amount in the loan account - we will debit your salary account automatically at payment due date.
We encourage you to choose a payment due date as close as possible to the date at which you get your monthly income into the account, so the loan repayment can be made automatically.
Documents needed
- Identity document;
- Loan request form;
- Information sheet regarding personal data processing for loan granting purposes
- Information request and processing from ANAF databases;
- Information sheet regarding Credit Bureau personal data processing.
