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Refinantare prin Expresso 10 ani EN

FIND OUT RATES AND COMMISSION OF THE EXPRESSO RESTART 10 YEARS LOAN

1. How much would you like to borrow? LEI

2. Over how many months do you want to pay the loan?

3. I want to collect my income into a BRD account

First rate

0 LEI

Total payment amount

0 LEI

DAE

0 %

Interest rate

0

More loan details

See due date

Payment methods

Grace period

GET YOUR EXPRESSO REFINANCING FOR 10 YEARS IN 3 SIMPLE STEPS

01

Fill out
the form

Leave us your details in the form below or come to the nearest BRD agency for the financing offer that suits you.

02

Sign the
documents

Complete the ANAF query agreement, if you get income from wages, otherwise, the income documents are required.

03

Finalize the
contract

After the loan approval, we conclude the loan agreement and make your funds available in your current account.

REFINE LOANS FROM OTHER BANKS AND ENJOY A LOT OF BENEFITS

Fixed interest
from 11,40%

if you collect your income in the account from BRD

10 years

maximum loan tenor

Up to 130.000 lei

loan amount, no collateral required

Discount interest rate

if you receive your income in a BRD account

Next steps

Here is everything you need to know!

How does work Expresso Refinancing for 10 years?
With the Expresso Restart 10 years loan, you have the possibility to refinance for a maximum period of 10 years, the loans granted before July 8, 2020, except for the Prima Mașină loan and Prima Casă loan (without granting additional amounts). You enjoy a single loan as a result of refinancing loans from other banks, which will have a fixed interest rate for the entire loan period. In addition, if you collect the income in a BRD account, you also benefit from a discount on the annual interest rate.
A wide range of income is accepted for refinancing loans through Expresso Restart 10 years: salaries, pensions, dividends, royalties, rents, up to income from self-employment. You can get a larger amount if you also bring up to 3 co-borrowers
All the checks related to your salary income are now fully automatic, without the need for proof of income from the employer. This simplified procedure allows us to grant you loan much faster and with a minimum number of documents.

Only if the information retrieved from ANAF is not complete, we reserve the right to request supporting Income statement template.
You are safe throughout the entire loan period by opting for a life insurance that gives you and your family protection against unforeseen events (unemployment, incapacity for work, total disability or death). The policy is established when the loan agreement is finalized, for the entire loan period.
  • Fixed interest for the entire credit period, of 11,40% if you collect your income in the account from BRD
  • Interest discount if you collect the income in a BRD account
  • Credit of up to 130,000 Lei, without guarantees
  • The maximum credit period is 10 years
You will find the necessary information at Fees and commissions
If you want to refinance loans granted after July 8, 2020 or you need an additional amount of money, we offer you the Expresso loan granted for a maximum of 5 years

 

 

Find out more about BRD's complete refinancing offer

ARE YOU INTERESTED? DON'T HESITATE, APPLY NOW!

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Representative example valid on 05.07.2022, calculated for an EXPRESSO personal needs loan for refinancing for more than 5 years, amounting to 36,000 lei, granted for a period of 10 years and repaid in 120 equal monthly installments, with the collection of income in BRD account and contracting a package of products and services: fixed interest of 11.40%, APR 13.38%, the value of the first monthly amount 536.49 lei, subsequently decreases due to the decrease of the insurance premium, the total value payable 63,010.39 lei, which includes file analysis fee 200 lei, monthly current account administration fee associated with the zero lei loan (cost valid during the holding of a package of products and services) and life insurance: 0.09% per month, charged to the credit balance (if you opt for the insurance distributed by BRD, as an affiliated agent of the BRD Life Insurance Insurer). If you give up the package of products and services, the monthly current account administration fee becomes 6 lei. Details regarding the packages of products and services can be found on brd.ro/carduri şi conturi / current account packages.

Before you decide to borrow, consider the features and implications of the loan. Make sure you understand the risks associated with credit agreements, especially with regard to your income fluctuations.

Fees and commissions