Finante-Banci
Banca Romaneasca va acorda credite cu avans 0 si 70% grad de indatorare
Banca Romaneasca a primit avizul Bancii Nationale a Romaniei (BNR) pentru conditiile proprii de creditare care permit un grad maxim de indatorare de 70% din veniturile lunare nete ale clientului, si posibilitatea accesarii de credite fara avans.
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Pentru a putea accesa un credit cu avans zero, clientul trebuie indeplineasca gradul minim de acoperire cu garantii, de 118%.
Valoarea cheltuielilor de subzistenta luate in considerare de Banca Romaneasca pentru calcularea gradului de indatorare ajunge la 245 de lei pe membru de familie. Banca accepta cel mult 4 codebitori la calculul veniturilor cumulate.
Incepand de luni, Banca Romaneasca ofera dobanzi mai mari la depozitele la termen in euro, cu dobanda fixa. Astfel, pentru depozitul pe o luna, banca a majorat dobanda la 4,3%, de la 4,1%, iar in cazul depozitelor pe 3 luni si 12 luni, dobanda a urcat la 4,45% de la 4,3% si respectiv 4,4%.
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