Investment/Mortgage loan
A credit product used to finance the expenses relating to investment projects.
Advantages
- Flexibility
- Interest rate close to that of term deposits
- Security provided by the guarantee of the Deposit Guarantee Funds for amounts deposited under a ceiling of 100,000 EUR (lei equivalent)
Features
Currency: RON/EUR
Minimum amount for opening:
- LEI: 25,000
- USD: 15,000
- EUR: 15,000
Minimum amount deposited per operation:
- LEI: 3,000
- USD: 1,000
- EUR: 1,000
Minimum amount withdrawn per operation:
- LEI: 3,000
- USD: 1,000
- EUR: 1,000
Costs
- Ideal BCR account opening fee: 0
- fee for transfers between the current account/sub-account and the Ideal MICRO BCR account: 0
Interests
The interest rate is variable and differentiated on value groups, depending on the daily balance of the Ideal BCR account.
In the event that, after performing a withdrawal, the balance of the Ideal BCR account is lower than the amount established by the bank for its opening, then the bank will calculate and add the interest relating to the available funds.
The interest rate is calculated on the daily balance of the Ideal BCR account and is added monthly, on the day corresponding to the date in which the account was opened, or upon the settlement of the account.
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