I hate

to miss opportunities

REFINANCING LOAN

See details

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 WHICH DON'T TRANSFER THEIR SALARIES FIXED INTEREST RATE / YEAR FOR CLIENTS WHICH TRANSFER THEIR SALARIES INTO AN UNICREDIT BANK ACCOUNT2

1.500-20.000 LEI
Loan without insurance 15,99% 13,99%
Loan + life insurance1 13,99%
11,99%
  20.001- 40.000 LEI Loan without insurance 14,99% 12,99%
Loan + life insurance1 12,99% 10,99%
  40.001 - 60.000 LEI
Loan without insurance 13,99%
11,99%
Loan + life insurance1 11,99%
9,99%
  60.001 - 100.000 LEI
Loan without insurance 11,99%
9,99%
Loan + life insurance1 9,99%
7,99%

(1) 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 . 

(2) Transfer of the salary / pension, at the moment of loan request, for a minimum of 2 months from last 4, to an account opened at UniCredit Bank

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.

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 65,000 Lei, for 120 months, with life insurance and in the conditions of transferring the salary / pension at the moment of loan request for a minimum of 2 months from last 4, to an account opened at UniCredit Bank, the annual fixed interest rate of 7,99%, file analysis fee 250 Lei (charged only in case of granting the credit), the value of the monthly rate is 894,26 Lei (for equal rates the rate including the cost of life insurance), the total value payable 107.310,15 Lei, DAE 11,44%.

The exemplified interest offers involve transfer of the salary / pension to an account opened at UniCredit Bank and 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. Details on the complete offer of financial and insurance products can be found www.ucfin.ro.

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 250 RON (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

 

*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)1, and if you already have your salary or pension at UniCredit Bank, you get additional discounts at your loan interest.

1 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 65,000 Lei, for 120 months, with life insurance and in the conditions of transferring the salary / pension at the moment of loan request for a minimum of 2 months from last 4, to an account opened at UniCredit Bank, the annual fixed interest rate of 7,99%, file analysis fee 250 Lei (charged only in case of granting the credit), the value of the monthly rate is 894,26 Lei (for equal rates the rate including the cost of life insurance), the total value payable 107.310,15 Lei, DAE 11,44%.

The exemplified interest offer involve transfer of the salary / pension to an account opened at UniCredit Bank and 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, you must sign a current account contract with UniCredit Bank, if you do not already have a current account. The costs of the current account are charged separately by the Bank, depending on the product you choose and are not included in the aforementioned DAE.

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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