Loan calculator - Housing and Personal Needs

Calculate your housing loan or personal needs loan rate

What do you dream about when no one can see you? Get the loan you want and make your life easier!

Loan Calculator

With salary payment
Type of interest

Rate amount

123

Interest amount

1234

Housing loan

There’s nothing like the joy and satisfaction of moving into a place that’s yours. We believe that we all deserve to enjoy this dream. That’s why, whenever you’re determined to take the plunge, we’re here to help with a Housing loan calculator.

Details and features

A Home Insurance policy is required (see details here).

Your benefits

You’ll get your money quickly, without having to show income documentation, if you are employed and your income is reported to ANAF.

You benefit from free Life Insurance for the duration of the loan (see details here) and all your family members will always be safe.

You enjoy preferential interest rates if you choose to receive your salary at Garanti BBVA. We always take care of all our customers.
Currency Interest
type*
Loan
amount
Reference
index
Fixed interest
rate
5 years*
Variable interest rate File
analysis
comission
Monthly
management
fee
Margin* Interest rate
(index + margin)**
RON Fixed 250.001 – 500.000 - 9.00% - - 600 RON 0 RON
RON Variable - IRCC 3M** - 3.00% 8.94% 600 RON 0 RON
EUR Variable - EURIBOR 6M*** - 4.50% 8.458% 130 EUR 0 EURN

*This Fixed interests and margins are applicable in case you cash in your salary in your Garanti BBVA account.

The interest rate is updated according to the evolution of the reference index for consumer loans as follows:

** The IRCC reference index has a value of 5.94% and is updated every January 1, April 1, July 1 and October 1 for the entire duration of the loan;

*** The EURIBOR 6M reference index has a value of 3.958% and is updated every February 1st and August 1st for the entire duration of the loan.
 
Example of calculation in case you cash in your salary in your Garanti BBVA account:
 
The effective annual interest rate (EIR) is 9.52%/ year for a housing loan in the amount of Lei 364,000 over a period of 262 months, with repayment in equal monthly instalments. The interest rate is 8.94% / year, variable, consisting of IRCC at 3 months + bank’s margin of 3.00%. Loan analysis fee is 600 lei and monthly administration fee is 0. Monthly instalment amount is 3.164,42 Lei, and the total amount payable is 839.768,45 Lei.* The total amount payable and the APR include costs related to: insurance policies, appraising real estate collateral, registering pledge contracts in RNPM, commissions for processing payment orders.
 

Details about the structure of costs (interest, fees, other taxes) here.

Personal loan

Apply for a personal loan and you’re ready to turn your dreams into reality!

Day by day, we want to evolve and invest in our projects and with the help of Garanti BBVA and the available banking services, anything is possible.

Details and features

Your advantages

Everything is easier when you refinance through Garanti BBVA! You can enjoy all the benefits of refinancing by managing a single loan.

You’ll get your money quickly, without having to show income documentation, if you are employed and your income is reported to ANAF.

More than ever, the included Credit Repayment Protection Insurance becomes a safety net for your plans, no matter what the period. (see details here)

You enjoy preferential interest rates if you choose to receive your salary at Garanti BBVA. We always take care of all our customers.

Currency Interest
type*
Reference index FIXED interest rate*
Variable interest rate Application Analysis Commission Monthly management
fee
Margin* Interest rate
(index +
margin)**
RON Fixed - 11.40% - - 250 RON 25 RON
RON Variable IRCC3M - 4.95% 10.89% 250 RON 25 RON

*The fixed interest rates and margins shown are valid if you receive your income in an account at Garanti BBVA

**The variable interest rate is updated quarterly, depending on the evolution of the index for consumer loans: on January 1st, April 1st, July 1st and October 1st, for the entire duration of the loan.

***The payment of the analysis commission is excluded for the refinancing balance / balance of personal needs loans without collateral contracted before 08.07.2020 for a period longer than 5 years.

Otherwise, the commission from the list of Interest and credit commissions for Individuals is applicable.

Example of calculation in case you cash in your salary in your Garanti BBVA account:

The effective annual interest rate (EIR) is 13.24% per year for a General Purpose Loan in amount of 42,000 Lei for a period of 53 months, with repayment in equal installments. The interest rate is 10.89%/ year, variable, consisting of IRCC for 3 months + bank margin 4.95%. Loan analysis fee is 250 lei and the monthly administration fee is 25 lei. Monthly instalment amount is 1.026,77 Lei, and the total payable amount is 54.800,13 Lei.

Details of the cost structure (interest, fees, other charges) here.

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