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BCR reduces the refinancing interest rate of personal loans with mortgage

Autor: Bancherul.ro
2011-06-09 15:43

During June 6 – July 15, customers who refinance their loans through Banca Comerciala Romana (BCR), member of Erste Group, via a personal loan with mortgage, benefit from a variable interest of 6.61 pc/year, made of the 6 month Euribor rate + a margin of 4.9 percent points a year, reads a press release.

BCR charges no fee for the analysis of the file and pays all notary public fees and the evaluation cost of the mortgaged property. “BCR gives the possibility of refinancing loans at a fixed interest for the first 5 years, followed by a variable interest depending on Euribor 6M, for the customers that need a higher degree of safety with regard to the monthly installment,” said Stefan Coroianu, Retail Products Manager with BCR.

For the refinancing to be efficient, the cost saving must be bigger than related expenses (the early repayment fee of the old loan, the analysis fee of the new loan, the tax paid for registering the guarantee etc.)

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