Care este valoarea ratei
* BRD. Exemplu pentru credit expresso de vara -fix in lei – 3 luni de gratie. Credit de 70 milioane de lei – dobanda 16% – 36 luni – rata lunara – 2,7 milioane de lei. Comision dosar: 3.430.000 lei. Credit expresso de vara – variabil in euro. Valoarea creditului -2.000 euro – dobanda 11,5%. 36 luni – rata lunara 71 euro. Comision dosar: 120 euro.
* Banca Transilvania. Un credit de 2.000 euro pe o perioada maxima de creditare, de 12 luni si o dobanda de 12% (22,08% – DAE), banca percepe un comision de 80 euro, iar rata lunara de plata 177,70 euro. in conditiile in care creditul e in lei, la suma de 70 milioane de lei, intr-un an, cu o dobanda de 25% (29,23% – DAE), banca percepe un comision de 2.800.000 lei, iar rata este de 6.653.094 lei.
* Raiffeisen Bank. La un credit de 70.000.000 lei, in 36 de luni, la o dobanda anuala efectiva de 20,79% (in care sunt incluse comisioanele bancii si asigurarea) se plateste o rata lunara fixa de 2.426.573 lei.
* BCR. Pentru un credit „Voiaj” de 2.000 euro pe o perioada de 12 luni, va trebui sa platiti un avans de 300 euro, iar rata lunara va fi de 151 euro (fixa) sau de 158 euro (daca e descrescatoare). Daca creditul e in lei, la 70 milioane de lei, pe un an, fara avans, rata fixa e de 6,6 milioane lei.
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Știri România
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