Personal loan without mortgage

“The bank for you” makes your dreams come true!
Because your plans should not be just a beautiful dream, but an achievable one, we created Credit “Facile” for personal needs just for you.

Characteristics:

Loan amount: up to 130.000 Lei;
Tenor: up to 5 years (or 10 years, exclusive to refinance loans contracted before 31.10.2011);
Method of loan repayment: Monthly rates with decreasing or equal amounts, depending on your choice;
Co-borrowers: up to two co-borrowers, which may be spouse, children, parents, inmates, siblings, cousins, uncles / aunts, partners (with the same home address), relatives up to grade IV;

Guarantees:

  • Life, invalidity and unemployment insurance;
  • Pledge on incomes;
  • Pledge on accounts / sub-accounts opened by the borrower to the Bank.

Accessible
• easy to obtain without income certificate or pension coupon if your income is in the ANAF database
• no utility bills;
• no supporting documents for credit use.

Advantageous
• preferential interest if you cash your incomes in your account open at Credit Agricole;
• no credit management fee.

Flexible
• wide range of earnings accepted;
• you can apply for credit with two people;
• you can change the monthly rate for the convenience of payment.

Protective
• you have life insurance, disability and unemployment;

Transparent and comfortable
• You can easily manage your credit via Internet Banking (i-conect) and Mobile Banking (m-conect) or by simply calling 021 30 40 300;

Can a loan be taken to refinance other debts?
• Yes, if you already have one or more loans to other financial institutions, you can refinance them all through Credit Facile, so you can get a lower monthly rate as well as an additional amount.

The interest rate is variable and composed of the reference index plus the fixed margin of the bank.

IRCC” = benchmark for RON denominated loans with variable interest, calculated at the end of each quarter, as the simple arithmetic average of the daily interest rates on interbank money market transactions, determined for the previous quarter. The value of the index is calculated by the NBR and published on its website.

IRCC = 1.86%

Insurance

Benchmark index Fixed margin of the bank
customers who receive income into an account open at CABR Standard

without insurance

IRCC 7%

8%

with insurance IRCC 6,5%

7,5%

Note. The information presented are indicative only and may vary depending on the customer profile.

The benchmark index is revisable every 3 months.

Bank’s commissions:

  • Analysis fee: 250 Lei;
  • Monthly insurance premium (offer proposed by the Bank): 0.09% monthly applied to outstanding / 0.064% for pensioners (this cost is applicable only for the product with insurance)

Calculation example:

For a personal loan of 30,000 lei without insurance, for 5 years and 60 monthly installments respectively, the variable interest rate is 8.86% per annum (IRCC + bank fixed margin of 7%) calculated in April 2022, A.P.R. (annual interest) is 9.62% per year. The monthly rate is 619.80 lei, the analysis commission is 250 lei and the total payable value is 37,188.26 lei.

The offer presented is valid for customers who receive the income at Credit Agricole Bank Romania SA and differs according to the customer profile.

For a personal loan of 30,000 lei with insurance, for 5 years and 60 monthly installments respectively, the variable interest rate is 8.36% per annum (IRCC + fixed bank margin of 6.5%) calculated in April 2022, the share monthly insurance premium of 0.09% applicable to the credit balance, and APR is 10.26% per year. The value of the monthly rate is decreasing from 639.62 lei, the analysis fee is 250 lei and the total payable amount is 37,635.92 lei.

The offer presented is valid for customers who receive the income at Credit Agricole Bank Romania SA, the insurance proposed by the Bank and differs according to the client’s profile.

The interest rate is variable over the entire lending period, expressed in terms of a benchmark index whose value may fluctuate, and so the monthly rate will rise or fall.

The credit repayment capacity may be affected by your income decline or exchange rate fluctuation in the case of incomes in other currency than credit.

Taxes and fees charged by third parties:

  • Registration fee of the guarantees to the RNPM (fee/modification, re-enrollment, deletion, etc.)

Interest is fixed over the entire lending period.

Insurance option Fixed interest rate (per year)
customers who receive income into an account open at CABR Standard Conditions
Without insurance 10% 11%
With insurance 9,5% 10,5%

Note. The information presented is informative and varies depending on the client profile.

Commissions charged by the bank:

• Analysis commission: 0 Lei;

• Insurance premium: 0,09% monthly to loan outstanding. (0,064% for retired persons)

(The cost of insurance applies only to customers who choose the insurance offer proposed by the bank)

Upon payment in advance, a commission is charged depending on the remaining period: 0.5% or 1% of the refunded amount.

Calculation example:

For a personal loan of 30,000 lei for 5 years, respectively 60 monthly installments, the interest rate is fixed at 10% per annum, and A.P.R. is 10.47% per year. The value of the monthly rate is 637.4 lei and the total payable amount is 38.244,7 lei.

The offer presented is valid for customers who receive the income at Credit Agricole Bank Romania SA and differs according to the customer profile.

For a personal loan of 30,000 lei for 5 years and 60 monthly installments, the interest rate is fixed at 9.5% per year, the monthly insurance premium rate of 0.09% applicable to the credit balance, and A.P.R. is 11.1% per year. The value of the monthly rate is decreasing from 657 lei and the total amount payable is 38,660.09 lei.

The offer presented is valid for customers who receive the income at Credit Agricole Bank Romania SA, the insurance proposed by the Bank and differs according to the client’s profile.

Fees and fees charged by third parties:

• Fee for the registration of guarantees at the RNPM (enrollment / modification fee, re-enrollment, deletion etc.)

Credit Facile is an excellent choice for individuals who simultaneously satisfy the following conditions:
Age of the applicant: minimum 18 years and maximum 65 years at the end of the contract;
Citizenship: Romanian or foreign with residence in Romania;
Revenue: the applicant must have at least one source of income and their aggregate value must exceed the minimum income for the economy;

Apply online and fill in the required information or call 021 30 40 300 and a representative will provide you with a personalized offer or you are welcome in one of Crédit Agricole branches where you will receive free advice and support with preparing the documentation to access the credit.

There are a few steps to getting a loan:
1. Fill in the credit application and sign the consultation agreement with the Credit Bureau and the revenue to the National Agency for Tax Administration (ANAF), a form used instead of the income certificate or coupon;
2. We will analyze your request and return with an answer as soon as possible;
3. Sign the credit agreements, open an account where you will receive the money and you will use it to pay the rates and collect the salary.