DIVERS Loan

Your projects will take shape easier this summer. All you need is to believe in them. We support you with a tailored financing offer:

  • 7,9%/year fixed interest rate for minimum 40,000 lei loan for clients with salary/pension collected into a BCR account
  • Fixed installments
  • Insurance option

All period

fixed installments

Obtain money

fast and easy

Available for

refinacing loans from other bank

Your advantages

Get a DIVERS loan of minimum 40,000 lei, cash your salary or pension in a BCR current account and enjoy the best ONE offer, available till the 30th of September, 2017.

  • Reduced costs:
    • FIXED INTEREST RATE: 7.9%/year (2.59 p.p. lower than the bank’s standard offer)
    • ZERO loan analysis fee
    • ZERO loan maintenance fee
  • Obtain money fast and easy:
    • NO REVENUE DOCUMENTS are required for customers whose revenues are reported at the NAFA (National Agency for Fiscal Administration), considering the exceptions provided in Documents chapter
    • NO GUARANTEES
  • Benefit from safety and protection:
    • FULL COVERAGE INSURANCE that protects you in case an unforeseen event occurs in your life (optional insurance, subject to a charge; for instance for only 48 lei /month in the case of a loan amounting 40,000 lei)
    • THE INSTALLMENTS ARE FIXED for the entire duration of the loan
  • You can refinance any type of consumer loan previously contracted from other banks

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 by other banks prior to October 31, 2011;
  • 1 co-signer accepted

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).

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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