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REFINANCING LOAN

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We know how annoying it is to let opportunities pass you by.

Therefore, at UniCredit Consumer Financing you can refinance your loans from banks and other financial institutions from Romania for a period of up to 10 years.

Thus, you can halve your current installment and take advantage of all opportunities.

You benefit of:

VALUE

maximum 100.000 LEI

 

PERIOD

up to 120 monthly installments

 

REFINANCING LOAN UP TO 10 YEAR

THIS PRODUCT IS OFFERED BY UNICREDIT CONSUMER FINANCING IFN S.A. THROUGH UNICREDIT BANK S.A., CREDIT INTERMEDIARY EXCLUSIVELY FOR LOANS GRANTED BY UNICREDIT CONSUMER FINANCING IFN S.A.

Interest rates


REFINANCING LOAN 10 YEARS FIXED INTEREST RATE / YEAR FOR CLIENTS WITHOUT FULFILLING THE INCOME CASHING CONDITION FIXED INTEREST RATE / YEAR FOR CLIENTS, FULFILLING THE INCOME CASHING CONDITION*

1.500-20.000 LEI
Loan without insurance 15,99% 13,99%
Loan + life insurance** 13,99%
11,99%
  20.001- 40.000 LEI Loan without insurance 14,99% 12,99%
Loan + life insurance** 12,99% 10,99%
  40.001 - 60.000 LEI
Loan without insurance 13,99%
11,99%
Loan + life insurance** 11,99%
9,99%
  60.001 - 100.000 LEI
Loan without insurance 11,99%
9,99%
Loan + life insurance** 9,99%
7,99%

The interest offer assumes the fulfillment of the income cashing condition in the amount of at least 500 Lei/month in the current accounts opened at UniCredit Bank SA for at least 2 months from the last 4 months previously to the credit application (the 4th month being the current month in which the credit is requested and the Annex to the Credit Application is signed) and the fulfillment throughout the credit period of the Monthly Cashing Condition. Maintaining the lower interest rate (compared to the interest applied to a credit product without cashing income) for the entire duration of the credit agreement is conditioned by the monthly cashing in your current accounts opened at UniCredit Bank SA, of total amounts of at least 70% of the income taken into consideration at the moment when the loan was granted, respectively for the subsequent granting of another loan (Monthly Cashing Condition).

** Life insurance with monthly installment, of 0.15% of the loan amount, issued by Generali Romania Asigurare Reasigurare S.A. through UniCredit Consumer Financing IFN SA, as an auxiliary insurance agent registered with the Financial Supervisory Authority with the number RAJ-502078. Details regarding the complete offer of financial and insurance products can be found here.

The refinancing offer for a period up to 10 years is valid exclusively for the repayment of debts related to loans contracted before July 8, 2020. The reduction of the installment by up to half of its current value depends on the remaining period until the loan maturity as well as the cost conditions applied to the refinanced loan.

 

Find out more about the conditions that need to be fulfilled for obtaining the 2 p.p. discount on the interest rate:

How can you obtain the discount during the contract period, if you do not meet the conditions at the granting moment of loan?

You can obtain the discount of 2 percentage points for the annual interest rate if you start to ensure monthly receipts during the contract period, through your current accounts opened at UniCredit Bank SA, which would represent at least 70% of the income taken into consideration at the moment the loan was granted.

What types of cashing we take into account?

Any income collected or other types of cashing in your current accounts, except for the following types of transactions: transfers between your own accounts opened at UniCredit Bank SA, amounts received as a result of foreign exchange between own accounts, interest on deposits or interest of other savings products, amounts from term deposits or liquidated in advance, amounts from the granting of new loans by UniCredit Bank SA or UniCredit Consumer Financing IFN SA, any other types of credit interest and / or amount reversal transactions. In the case of amounts collected in a currency other than Lei, we will take into account their equivalent in lei at the NBR exchange rate published on the previous day, valid for the day on which the cashing was made.

Representative example: for a Refinancing Loan without Mortgage offered by UniCredit Consumer Financing IFN S.A. (as a result of meeting the eligibility criteria) through UniCredit Bank S.A. (credit intermediary with the exclusive auxiliary title of the credits offered by UniCredit Consumer Financing IFN SA), in the amount of 80.000 Lei, for 120 months,  with life insurance /without life insurance: the annual fixed interest rate of 7,99%/ 9,99%, file analysis feein the amount of 300 Lei, deferred in monthly payments during the lifetime of the loan (charged only in case the credit is granted) , monthly credit administration fee 0 Lei, monthly administration fee for the current account opened at UniCredit Bank 8 Lei, the value of the monthly rate is 1.098,90Lei (for equal rates the rate including the cost of life insurance)/ 1.067,70Lei (for equal rates), the total value payable 132.828,31 / 129.083,39 Lei Lei, EAR 11,69%/ 10,93%.

The exemplified interest offers involve: (i) fulfillment of the income cashing condition in the amount of at least 500 Lei/month in the current accounts opened at UniCredit Bank SA for at least 2 months from the last 4 months previously to the credit application (the 4th month being the current month in which the credit is requested and the Annex to the Credit Application is signed) and (ii) the fulfillment throughout the credit period of the Monthly Cashing Conditionand (iii) the attachment of a life insurance with monthly installment, of 0.15% of the loan amount, issued by Generali Romania Asigurare Reasigurare S.A. through UniCredit Consumer Financing IFN SA, as an auxiliary insurance agent registered with the Financial Supervisory Authority with the number RAJ-502078. The life insurance product is optional, the client can apply for a credit product without purchasing a life insurance, under different cost conditions.

The full repayment of the refinanced loan(s) will be made by documentary payment order (conditional) and the cost will be supported by client.

Commissions

Commission name RON Credit
Loan administration commission 0 RON
File analysis commission 300 RON, deferred in monthly payments during the lifetime of the loan (charged only in case of granting the credit)
Anticipated Reimbursement commission 1% for the fixed rate interest period *
Non-payment penalties (for total payment overdues) Interest rate (when the loan does not register outstanding) + 3% per year
Unique commission for services provided on customer demand 180 RON
Monthly administration fee for the current account opened at UniCredit Bank 8 RON

 

*0,5% for reimbursements made within less than a year before the final due date

The refinancing offer for a period up to 10 years is valid exclusively for the repayment of debts related to loans previously contracted on July 8, 2020, according to NBR regulation 5/2020. The reduction of the installment by up to half of its current value depends on the remaining period until the maturity of the loan, as well as the cost conditions applied to the refinanced loan. For a detailed calculation please visit a UniCredit Bank branch.

Are you at least 22 years old (maximum 70 at the maturity of the loan) and you want to refinance your loans on a period of up to 10 years? Choose the Refinancing Loan from UniCredit Consumer Financing:

  • Credit value: between 1,500 and 100,000 lei;

  • Term for repaying the amount is: up to 120 months;

  • We accept a very long range of income: salaries, pensions, sailors’ contracts, etc.

Depending on your needs, you can attach to your loan other complementary products, like a life insurance (that can protect you in the case of a payment impossibility)*, and if you already have your salary or pension at UniCredit Bank, you get additional discounts at your loan interest.

*Life insurance with monthly installment, of 0.15% of the loan amount, issued by Generali Romania Asigurare Reasigurare S.A. through UniCredit Consumer Financing IFN SA, as an auxiliary insurance agent registered with the Financial Supervisory Authority with the number RAJ-502078. The life insurance product is optional, the client can apply for a credit product without purchasing a life insurance, under different cost conditions. Details regarding the complete offer of financial and insurance products can be found here.

Representative example: for a Refinancing Loan without Mortgage offered by UniCredit Consumer Financing IFN S.A. (as a result of meeting the eligibility criteria) through UniCredit Bank S.A. (credit intermediary with the exclusive auxiliary title of the credits offered by UniCredit Consumer Financing IFN SA), in the amount of 80.000 Lei, for 120 months, with life insurance /without life insurance: the annual fixed interest rate of 7,99%/ 9,99%, file analysis fee in the amount of 300 Lei, deferred in monthly payments during the lifetime of the loan (charged only in case the credit is granted), monthly credit administration fee 0 Lei, monthly administration fee fo the current account opened at UniCredit Bank 8 Lei, the value of the monthly rate is 1.098,90Lei (for equal rates the rate including the cost of life insurance)/ 1.067,70 Lei (for equal rates), the total value payable 132.828,31/ 129.083,39 Lei Lei, EAR 11,69%/ 10,93%.

The exemplified interest offers involve: (i) fulfillment of the income cashing condition in the amount of at least 500 Lei/month in the current accounts opened at UniCredit Bank SA for at least 2 months from the last 4 months previously to the credit application (the 4th month being the current month in which the credit is requested and the Annex to the Credit Application is signed) and (ii) the fulfillment throughout the credit period of the Monthly Cashing Condition and (iii) the attachment of a life insurance with monthly installment, of 0.15% of the loan amount, issued by Generali Romania Asigurare Reasigurare S.A. through UniCredit Consumer Financing IFN SA, as an auxiliary insurance agent registered with the Financial Supervisory Authority with the number RAJ-502078. The life insurance product is optional, the client can apply for a credit product without purchasing a life insurance, under different cost conditions.

The Refinancing Loan without a mortgage for a period up to 10 years is a product offer by Unicredit Consumer Financing IFN S.A, through UniCredit Bank S.A. (credit intermediary with the exclusive auxiliary title of the credits offered by UniCredit Consumer Financing IFN SA).

In order to grant the loan, the client must sign a current account contract with UniCredit Bank (“the Bank”), if he/she does do not already have a current account opened at the Bank.. The costs of the current account are paid by the clientand are charged separately by the Bank and are the ones included in the Individual’s fee and Interest Rates list available on www.unicredit.ro Opening a current account can be done through a variety of available financial products or services. As the choice of the current account services package is exclusively the responsibility of the Client, the product or service is not in the Creditor's offer, the costs for the operations or services related to the current account depend on the chosen product or services and are not known to the creditor, for the representative example and the DAE calculation hypothesis presented, the current account administration fee was taken into consideration, which is not part of a package of multiple services offered by the Bank in the amount of 8 Lei. All costs related to UniCredit Bank SA products and services, such as opening fees, account administration, operations related to the account if / or services related to the account are due by the customer to UniCredit Bank SA if they will be charged separately by him according to the signed documents between the client and UniCredit Bank SA.

The present does not value, according to the law, the offer to contract financial products / services from UniCredit Consumer Financing IFN S.A., which can be modified or revoked at any time. According to the law, the product or financial service offer is the one valid at the time of registration of the product / service request and, regardless of the elements of the respective offer, the contract is considered concluded only on the date of its formal signature or, as the case may be, according to the legal provisions applicable to the remote contract conclusion.

Eligibility conditions

In order to contractually obtain a Refinancing Loan without mortgage for a period up to 10 years it is imperative to respect the next minimal conditions of eligibility:

  • Minimum age: 22 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);

  • Monthly eligible income: At least 800 LEI (1250 Lei for sailors);

  • Purpose of the credit exclusively for the repayment of debts related to loans previously contracted July 8, 2020, according to NBR regulation 5/2020.

Necessary documents


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

    We reserve the right to request additional documents, in case needed, as implied by internal rules.

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.

 

Insurance type Formula Coverage Bonus percentage
Monthly bonus Credit value x bonus percentage Death, by any cause, total permanent disability, involuntary loss of job 0,15%
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