With your overdraft in BCR, you have a cash reserve of up to 6 gross net salaries, with no need for collateral and a simplified documentation. You have permanent access to your money and can use it as you want. Come with your salary in BCR and enjoy all the overdraft advantages! No convention has to be signed between BCR and your employer.
Ceiling: minimum 500 lei and 40.000 lei no more than 6 net salaries, according on 24 months
Upon determining the ceiling of the overdraft the monthly payment obligations for the credit requested is considered made of the total interest calculated for a month.
Minimum income: 500 lei
Co-payers: maximum 1 internal co-payers1
Period of granting the overdraft: 24 months
Interest 13,43% (ROBOR 3M + margin product by 10.99 percentage points)
Interest penalty above the current interest: ROBOR 3M + margin product by 10.992 percentage points + 5 percentage points
- analysis fee for the first grant ceiling = 0 lei
- analysis fee for subsequent award ceiling = 25 lei
- prepayment fee = 0 lei