Overdraft

Do you want to permanently have at your disposal a sum of money for unforeseen expenses?

The solution is simple: the Overdraft.

Advantages

You can quickly get up to 6 salaries;
Simple and quickly obtained, without income certificate, only based on your identity document and NAFA accord;
Currency: RON;
0% monthly management fee;
0 file analysis fee;
0 unique fee for services performed upon the borrower’s request;
You can come with your husband/wife as co-debtor;
You can use the overdraft funds at any moment, using the current account or the debit card with no justification;
The interest is calculated only at the value of used amounts;
You can benefit of multiple discounts in partner shops and locations.

Characteristics	RON
Minimal limit	2,000
Maximal limit	40,000

Interests and fees

Interests:

Currency	Reference index	Value of reference index (%)	Margin (%)	Variable interest (%)	Total payment*	APRC (%)
RON	IRCC	5.90	8.00	13.90	5.491,81	14.82

*Example of an estimated calculation, considering the full use of a credit limit of RON 5,367 and its reimbursement in 3 months.

The interest rate is variable and quarterly revised on January 1^st, April 1^st, July 1^st, October 1^st, considering the consumer credit benchmark (IRCC) value calculated by NBR at the end of each quarter, according to the calculation methodology regulated by GEO 19/2019 and published on NBR’s website on the last working day of the quarter.

Fee:

Fee
File analysis fee	RON 0
Monthly credit management fee	0%
Unique fee for services performed upon consumer’s request	RON 0

Eligibility criteria

You can apply for the facility if:

You are a Romanian citizen, with residence in Romania and obtain income in Romania;
You are at least 25 years old and not more than 60 at the moment of the facility granting;
The monthly income is a multiple of RON 600, proportional to the number of family members, but not less RON 1,600;
You have a seniority at work of minimum 3 months with the current employer;
You collect your salary in an account opened with us.

Loans