
Savings accounts
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I. Campaign duration:
The campaign is valid from MAY 6th to July 30th, 2025.
II. Campaign conditions:
* This Offer remains valid only if the applicant’s eligibility conditions are met, i.e. if the application is approved during the Campaign period. The credit product may also be granted at a later date after the end of the Campaign.
III. Campaign offer
IV. Acceptarea ofertei:
V. Examples of APR calculation:
Real estate loan with free life insurance and salary collection – RON
The Annual Effective Interest Rate (AER) is 8.28%/year* for a real estate loan worth 360,000 lei over a period of 262 months, with repayment in equal installments. The interest is 6.09%/year, fixed in the first 3 years and subsequently variable at 8.06%/year, consisting of IRCC** + bank margin 2.40%, the analysis fee is 750 lei and the monthly management fee is 75 lei. The monthly installment value is 2,562.27 lei and the total payable amount is 771,553.66 lei;
Real estate loan with free life insurance and salary collection – EUR
The Annual Effective Interest Rate (AER) is 6.999%/year* for a real estate loan worth 50,000 Eur over a period of 262 months, with repayment in equal installments. The interest is 5.07%/year, fixed in the first 3 years and subsequently variable at 6.343%/year, consisting of Euribor*** at 6 months + the bank’s margin of 3.75%, the analysis fee is 130 Eur and the monthly administration fee is 10 Eur. The value of the monthly installment is 330.93 Eur and the total amount payable is 96,386.54 Eur;
*The total payable amount and APR also include costs related to: insurance policies, valuation of the property brought as collateral, advertising of movable mortgages in the National Register of Mortgages, commissions for processing payment orders.
** IRCC value as of 01.01.2025 is 5.66%. The interest rate changes every January 1, April 1, July 1 and October 1 depending on the evolution of the reference index
*** EURIBOR 6M value as of 01.02.2025 is 2.593%. It is updated every February 1 and August 1 throughout the loan term.
Details about the cost structure (eligibility conditions, interest rates, fees; both standard and applicable to this offer) can be found on the website www.garantibbva.ro .
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Comissions and interest rates for individuals’ deposits Interest rates for all types of deposits Find out all about costs 0 fee for opening the deposit
All of the domestic and international market tables and graphs appearing on the www.garantibbva.ro website have been obtained from outside parties that provide services on such matters and have been prepared for the purpose of providing information in a general sense without any benefit being derived from them by Garanti BBVA. The validity of the tables or graphics appearing on our website is in no way guaranteed by Garanti BBVA and this information is not being provided for the purpose of securing any particular gain.
For this reason, Garanti BBVA cannot be held responsible for any direct or indirect material or moral losses or expenses that may arise on account of errors or deficiencies in the information contained in these tables and graphs or on account of transactions based on this information, or on account of any losses or expenses that outside parties may occur in any way whatsoever.
The communications/messages in electronic format do not include the essential elements to conclude a valid contract; do not represent an offer to conclude a contract or a binding intention for granting a financing facility, another product or for providing a service. The recipient’s acceptance of the terms and conditions available in electronic mail shall not be considered as a valid conclusion of a contract.
For the valid conclusion of a contract it is necessary to determine all essential elements by the competent approval authority of the bank and the written form of the contract signed by the parties involved.