{"id":19123,"date":"2024-09-23T11:01:49","date_gmt":"2024-09-23T09:01:49","guid":{"rendered":"https:\/\/www.eximbank.ro\/?p=19123"},"modified":"2024-09-23T14:36:15","modified_gmt":"2024-09-23T12:36:15","slug":"exim-banca-romaneasca-reduces-interest-rates-on-personal-and-mortgage-loans","status":"publish","type":"post","link":"https:\/\/www.eximbank.ro\/en\/2024\/09\/23\/exim-banca-romaneasca-reduces-interest-rates-on-personal-and-mortgage-loans\/","title":{"rendered":"Exim Banca Romaneasca reduces interest rates on personal and mortgage loans"},"content":{"rendered":"

Exim Banca Romaneasca has reduced the interest rates for fixed-rate consumer loans and mortgage loans, making them available at lower costs for applicants who receive their income through the bank.<\/p>\n

Thus, individuals have the opportunity to access personal loans with a reduced fixed interest rate of 7.5%. The maximum amount that can be obtained is 150,000 RON, with a maximum loan term of 5 years.<\/p>\n

For example, a customer who chooses to have their income deposited into a Exim Banca Romaneasca account and opts for a loan of 50,000 RON over a 5-year period, with insurance and repayment in equal installments, will have an annual effective interest rate (APR) of 10.13%, with a monthly installment of 1,001.90 RON.<\/p>\n

No justification for the use of the funds is required, and the loan can also be used for refinancing. Multiple types of income are accepted (salaries, pensions, freelance income, royalties, etc.), so no income certificate is necessary\u2014only an identity document and ANAF consent.<\/p>\n

This year, Exim Banca Romaneasca has made successive reductions in the interest rates for personal loans, with the bank’s standard offer currently two percentage points lower than at the beginning of the year.<\/p>\n

\"\"<\/a><\/p>\n

Regarding mortgage loans, Exim Banca Romaneasca offers a financing solution that provides protection against interest rate fluctuations and lower costs compared to standard offerings. The bank offers mortgage loans with a fixed interest rate of 5.75% for the first 3 years, which later becomes variable, for both home purchases and refinancing of real estate loans.<\/p>\n

In this case, the loan term can be up to 35 years, and the minimum down payment is 15% of the purchase price. The bank does not charge a monthly administration fee and accepts various types of income (salaries, pensions, freelance income, royalties, rental income, etc.).<\/p>\n

As an example, for a loan of 250,000 RON over 30 years, with income deposited at Exim Banca Romaneasca, the monthly installment is 1,458.93 RON, fixed for the first 36 months, and subsequently 1,850.94 RON (calculated with an IRCC value of 5.86% per year), with an APR of 8.16%.<\/p>\n

Exim Banca Romaneasca is a 100% Romanian universal bank, ranked in top 10 largest credit institutions by assets. The bank offers its corporate clients a wide range of quality products and services, covering the entire financing cycle as well as transactional – financing, guarantees, insurance, treasury products, cash management, factoring and trade finance.<\/p>\n

Exim Banca Romaneasca operates a national distribution network of 83 branches and 26 Corporate Units, the latter being dedicated exclusively to companies, a network that allows it to be close to retail and corporate customers and to implement various Romanian and European development programs.<\/p>\n

In addition, because it acts as an agent of the state on the guarantee and insurance market, Exim Banca Romaneasca is one of the instruments through which the public funds, made available by the Romanian state, support the sustainable development of the economy.<\/p>\n

September 23, 2024 <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Exim Banca Romaneasca has reduced the interest rates for fixed-rate consumer loans and mortgage loans, making them available at lower costs for applicants who receive their income through the bank. Thus, individuals have the opportunity to access personal loans with a reduced fixed interest rate of 7.5%. The maximum amount that can be obtained is […]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[41],"tags":[],"class_list":["post-19123","post","type-post","status-publish","format-standard","hentry","category-news"],"acf":[],"yoast_head":"\nExim Banca Romaneasca reduces interest rates on personal and mortgage loans - Exim - Banca Romaneasca<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.eximbank.ro\/en\/2024\/09\/23\/exim-banca-romaneasca-reduces-interest-rates-on-personal-and-mortgage-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Exim Banca Romaneasca reduces interest rates on personal and mortgage loans - Exim - Banca Romaneasca\" \/>\n<meta property=\"og:description\" content=\"Exim Banca Romaneasca has reduced the interest rates for fixed-rate consumer loans and mortgage loans, making them available at lower costs for applicants who receive their income through the bank. 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