The Personal needs loan

At BCR you can count on FIXED INSTALLMENTS for your personal needs loan.

  • Fixed montyly installments
  • Zero analysis and management fee
  • Extended protection for unforeseen circumstances

Fixed

installments for all period

Obtain money

fast and easy

Available for

refinancing loans from other banks

Advantages

  • Reduced costs:
    • FIXED MONTHLY INSTALLMENT for the entire length of the loan: for instance, for a monthly installment of 210 lei, you can borrow 10.000 lei for 5 years, if you bring your salary or pension to your BCR account;
    • no analysis fee;
    • no maintenance fee;
  • Obtain money fast and easy:
    • one stop to the bank (if you collect your salary or pension at our bank);
    • no revenue documents are required for customers whose revenues are reported at the NAFA (National Agency for Fiscal Administration);
    • no guarantees.
  • Refinance any type of un-guaranteed loan: personal loans, credit cards or overdraft. Moreover, you can gain more money, under the same favorable interest conditions, and you can opt to change your previously contracted loan in foreign currency into lei, so that you won't be affected by fluctuations in the exchange rate.
  • Benefit from safety and protection:
    • Extended protection for unforeseen circumstances; for instance only RON 12/month in the case of a loan amounting to RON 10,000 protects you in case an unforeseen event occurs in your life, such as: involuntary unemployment, temporary disability, total and permanent disability, death;
    • the installments are fixed for the entire duration of the loan;
    • the currency risk is zero.
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Features

  • Maximum amount: 110,000 lei, depending both on other banking products contracted and on the level of indebtedness at time of loan application;
  • Maximum maturity:
    • 5 years in the event of new loans and loans destined for refinancing of loans granted pursuant to October 31, 2011;
    • 10 years, in the event of refinancing loans granted prior to October 31, 2011;
  • 1 co-signer accepted.
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How to obtain a BCR DIVERS loan?

It's quite simple:

1

Submit the documents required for the analysis

    

2

We will check if you meet the conditions for the requested amount

   

3

We will provide the "Standardized European information for consumer loans" document and you sign the loan application, the loan agreement and the insurance certificate

  

4

We will inform you in approximately 3 days if your loan has been approved

   

5

We will put the money at your disposal in your current account, so that you can withdraw cash or perform transfers

  

Documents

Customers reporting their income to ANAF:

  • No income related documents (except the conclusion of an Inquiry agreement for ANAF).

In the event of income from salaries, the bank can additionally request a statement from the employer concerning the length of the individual labor agreement in the following cases:

  • persons employed for a determined period or
  • customers working with their current employer for less than 12 months.

In the event of income from pensions, it is required to submit the Permanent retirement decision.

Customers for which the income is not reported to ANAF (employees of MAI, MApN, SRI, SIE, SPP, Police, Gendarmerie, employees of penitentiaries or other entities with special designation).

  • Statement from employer (for customers receiving their salary into a BCR account);
  • Income certificate (for customers not receiving their salary into a BCR account).

Customers for which the income from pensions is not reported to ANAF:

  • Recent pension slip or current account statement;
  • Permanent retirement decision.
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