Unexpectedly Easy Credit

Every one of us has a different dream. For you, it might be a vacation through Europe with a trailer van, or a wedding at that special place, with a live-band and candy bar. Or maybe it`s changes for your home, or a new car.

Current Offer

Whatever plans you might have this year, we`re here to lend a hand.

With the UNEXPECTEDLY EASY CREDIT you can obtain an amount from 1.500 and 90.000 LEI that you can reimburse in up to 60 favorable installments.


Depending on your needs, you may attach to this credit other complementary products. Such as life insurance with financed bonus (that will protect you in case you can`t make the payment)¹, or a credit card², and if you receive (or send) income in your UniCredit Bank account, you may as well benefit from the discounts on interest.

¹Life insurance with financed bonus issued by Ergo Asigurari de Viata S.A. via UniCredit Consumer Financing IFN S.A., acting as dependent insurance agent.

² UniCreditCard Principal or Premium.

Calculate your installments

Calculate an estimated monthly cost for your Unexpectedly Easy Credit.

You can find here more information about what product will suit your needs better.



*The offer is calculated in case of contractual obligations of the Unexpectedly Easy Credit/Refinancing without mortgage with total value of 1.500 LEI, payed in equal installments of 40,02 LEI over 60 months, with life insurance with financed bonus (optional – 0,15% of the borrowed amount multiplied by the time duration of the credit). Added to that, a UniCreditCard Principal/Premium, and within the conditions of receiving income in a UniCredit Bank S. A. account, the rate for the annual variable interest is 9,95% (ROBOR** every 3 months +8,90%), the 250 LEI application analysis perceived in case of granting the credit, the total payable value is 2,400, 79 LEI, annual percentage of rate to charge 22,33%. For the mortgage credit you will need to contractually open a current account at UniCredit Bank S.A. (the Bank), in case you do not have a previously open account. These products are offered by UniCredit Consumer Financing IFN S.A. through UniCredit Bank S.A., credit intermediary acting as exclusive auxiliary for credits offered by UniCredit Consumer Financing IFN S.A.**ROBOR each 3 months, available since 20.09.2017. The offer for interests is available for credit in LEI applications submitted until December, 20th 2017.

Representative Example – For a credit card UniCreditCard Principal/Partener with the credit limit of 5.367 LEI, over 3 years (36 months), annual percentage of rate to charge 26,99% for ATM withdrawals and 24,99% for amounts used within trade, monthly fees are 324,27/458,75 LEI, total payable values 7.657,42 LEI/7.892,04 LEI, and APR will be 31,94%, and 39,31%, respectively. APR is calculated in conformity with legal specifications currently in place, and it includes the annual percentage of rate, release fee (50 LEI for UniCreditCard Principal), and annual fees for administration of payment tool of 50 LEI/200 LEI and ATM usage fees (national) 2% + 4 LEI. It is considered that the credit limit is withdrawn integrally, 40% in cash, using ATM (national) and 60% through payments made in trade, at the date of being granted, and no withdrawals will be made across the 36 months period of reimbursing.

Interests

See the tables below and choose what suits you best.

LOANS IN LEI WITH VARIABLE INTEREST (ROBOR AT 3 MONTHS) FOR A PERIOD OF MINIMUM 6 MONTHS – MAXIMUM 60 MONTHS.

  Variable Interest
With salary agreement / income turn
With salary agreement/ income turn
Credits up to 15,000 LEI Unexpectedly Easy Credit
12,95% 11,95%
Loan+life insurance1 11,95%
10,95%
Loan+life insurance+credit card2 10,95%
9,95%
       
Credits between 15.001 LEI and 25,000 LEI Unexpectedly Easy Credit 11,95% 10,95%
Loan+life insurance1 10,95% 9,95%
Loan+life insurance+credit card2 9,95% 8,95%
       
Credits between 25.001 and 40,000 LEI Unexpectedly Easy Credit 10,95% 9,95%
Loan+life insurance1 9,95% 8,95%
Loan+life insurance+credit card2 8,95% 7,95%
       
Credits over 40,000 LEI Unexpectedly Easy Credit 9,95% 8,95%
Loan+life insurance1 8,95% 7,95%
Loan+life insurance+credit card2 7,95% 6,95%

Representative Example – for an Unexpectedly Easy Credit without mortgage, in total value of 45.000 lei, over 60 months: the annual variable interest rate of 6.95% (ROBOR* at 3 months + 5.90%), 250 Lei file analysis commission, 0 monthly credit administration commission, the value of the monthly down payment is 975 lei (for equal down payments, that also include the cost of the optional life insurance with the financed premium, which is 0.15 % of the borrowed sum times the credit’s period) and the total payable value of 58.502,9 lei, APR 11,4 %. The present offer is available for Personal Loans contracted without a mortgage that has a financed premium life insurance and Principal or Premium UniCreditCard credit card attached or under the conditions of either the income being turned to an account opened at UniCredit Bank S.A. or the existence of a salary agreement between the applicant’s employer and UniCredit Bank S.A. In order to be granted an Unexpectedly Easy Credit without a mortgage, you need to make a contract for a current account with UniCredit Bank S.A. (“The Bank”), in case you don’t already have one.

*ROBOR every 3 months, available at 20.09.2017.

LOANS IN LEI WITH FIXED INTEREST FOR A PERIOD OF MINIMUM 6 MONTHS – MAXIMUM 60 MONTHS.

  Fixed Interest
Without salary agreement / income turn
With salary agreement/ income turn
Credits up to 15,000 LEI Unexpectedly Easy Credit
13,95% 12,95%
Loan+Life insurance1 12,95%
11,95%
Loan+Life insurance+credit card2 11,95%
10,95%
       
Credits between 15.001 LEI and 25,000 LEI Unexpectedly Easy Credit 12,95% 11,95%
Loan+Life insurance1 11,95% 10,95%
Loan+Life insurance+credit card2 10,95% 9,95%
       
Credits between 25.001 and 40,000 LEI Unexpectedly Easy Credit 11,95% 10,95%
Loan+Life insurance1 10,95% 9,95%
Loan+Life insurance+credit card2 9,95% 8,95%
       
Credits over 40,000 LEI Unexpectedly Easy Credit 10,95% 9,95%
Loan+Life insurance1 9,95% 8,95%
Loan+Life insurance+credit card2 8,95% 7,95%

Representative Example – for an Unexpectedly Easy Credit, in total value of 20.000 lei, over 60 months: the annual fixed interest rate of 9.95%, 250 Lei file analysis commission, 0 monthly credit administration commission, the value of the monthly down payment is 468 lei (for equal down payments, that also include the cost of the optional life insurance with the financed premium, which is 0.15 % of the borrowed sum times the credit’s period) and the total payable value of 28.077,9 lei, APR 15%. The present offer is available for Personal Loans contracted without a mortgage that have a financed premium life insurance and Principal or Premium UniCreditCard credit card attached or under the conditions of either the income being turned to an account opened at UniCredit Bank S.A. or the existence of a salary agreement between the applicant’s employer and UniCredit Bank S.A. In order to be granted an Unexpectedly Easy Credit without a mortgage, you need to make a contract for a current account with UniCredit Bank S.A. (“The Bank”), in case you don’t have one already. The current account costs are perceived separately by the Bank, based on your chosen product and are not included in the aforementioned APR. The an Unexpectedly Easy Credit and the Principal and Premium UniCreditCard credit cards are provided by UniCredit Consumer Financing IFN S.A. through UniCredit Bank S.A., which acts as an exclusive loan intermediary with an auxiliary title for the personal loans without mortgage offered by UniCredit Consumer Financing IFN S.A.

¹ Life insurance with financed bonus issued by Ergo Asigurari de Viata S.A. via UniCredit Consumer Financing IFN S.A., acting as dependent insurance agent.

² Card de credit UniCreditCard Principal or Premium

Commissions

Commission name RON Credit EUR Credit
File analysis commission 250 RON 45 EUR
Anticipatory reimbursement commission 1% for the fixed interest rate period*
0% for the variable interest rate period
1% for the fixed interest rate period*
0% for the variable interest rate period
Non-payment penalty( for the total remaining payment) Interest rate (for the level that's in effect, when the credit isn't registering arrears) + 3% per year
Single Commission for services provided upon the customers request 180 RON 40 EUR

*0,5% for reimbursings made within an year of the final term.

Insurances

You can attach an insurance package with diverse coverage, to your Unexpectedly Easy Credit, as shown below. However getting an insurance package is not mandatory in order to obtain the credit.

Package

Insurance type

Formula

Coverage

Bonus percentage

Option 1

Unique bonus, financed

Credit value* bonus percentage * period of time

Death, by any cause, total permanent disability, involuntary loss of job

0,15%

Option 2

Monthly bonus

Credit value * bonus percentage

Death, by any cause, total permanent disability, involuntary loss of job

0,15%

How to apply?

 

Online

We will contact you in the shortest time

Info Center

+40 21 200 2020*

Branch

Visit us at any UniCredit Bank branch

 

*normal fees using landline Telekom Romania or *2020 (normal fees using mobile providers Telekom Romania, Orange, RCS&RDS, Vodafone)..


Necessary documentation


Necessary documents needed for financial approval:

  • Identity document (BI/CI);
  • Documents that may attest income or ANAF Consulting Agreement.

    (to be filled in UniCredit Bank branch);

    *Useful for persons (employed or retired) for which there are legal obligation of declaring income to fiscal authorities.

  • Credit Application: To include the accord to interrogate the Credit and Credit Risk Central Bureau. .


Eligibility conditions

In order to contractually obtain an Unexpectedly Easy Credit it is imperative to respect the next minimal conditions of eligibility:

  • Minimum age: 18 years old ( 25 for sailors );
  • Maximum age (the age by which the credit must be reimbursed in its entirety): 70 years old (60 years for sailors. Excepting the attested navigators for whom the minimum age is 60 (the age up until the loan must be totally reimbursed));
  • Monthly eligible income: At least 450 LEI (250 euro for sailors).

Questions and Answers

What is the difference between the fixed interest rate and the variable interest rate?

The variable interest rate is a way of calculating your loan interest rate, reviewable at a contractually agreed interval, taking into account an established indicator by the Romanian National Bank (ROBOR/EURIBOR). In the case of fixed interest loans, interest remains unchanged for the entire period of the credit.

How long until I get an answer to my request after my full credit documentation submission?

In case of credits up to 25,000 lei, you can receive a response on your request immediately. In most cases the credit application is analyzed and has a final resolution in about 2 business days.

If I pay in advance the loan, do I need to pay the interest as well?

No. As soon as you pay in advance, the interest calculation will resume on the balance of the resulting loan after early repayment. That means if you have paid the full loan, interest will no longer be charged. But make sure that you have deposited the equivalent amount of your early repayment commission, if that fee has been charged for your contract.

Is insurance required for the credit to be granted?

You can choose a multipurpose insurance package that involves a single payment, or monthly payments. It’s not mandatory to buy the insurance to have your credit granted.

If I do not want insurance anymore, how do I proceed?

We do not recommend renouncing the insurance package, which protects you from a large number of unpleasant situations. If you still want to expose yourself to these risks, please follow the procedure specified by our branch colleagues from UniCredit Bank

Do I need to open an account to use my approved loan?

Yes. In order to succeed in paying the loan, it’s necessary to open a UniCredit Bank account, in which you will also submit the payments related to the credit agreement.

What are the costs of opening an account?

There is an additional cost for the service offered by UniCredit Bank, depending on the package chosen. The minimum value is 4.52 lei per month.

How do I make the loan payments?

You can pay directly to UniCredit Bank's cash desks through PayPoint or ZebraPay collection points, or by automatically debiting the current account opened with UniCredit Bank.

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