Refinantare prin Expresso 10 ani EN

Small entrepreneur
Cards and accounts
Currency and monetary market
Newsroom
Capital markets
Subsidiaries and associated entities
Research Reports
CSR
Investors and shareholders
Custody, storage, issuers
Careers
SME^{< 1M Euro}
Loans
SME^{1-50M Euro}
Saving and investment
Agriculture
Corporate
Online banking

Loan Calculator

Make a
loan simulation.
Benefits

Find out all the benefits
you have.
Apply

We'll call you
to set up a meeting.

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

1. How much would you like to borrow? LEI

2000

130000

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

More loan details

See due date

Payment methods

Grace period

GET YOUR EXPRESSO REFINANCING FOR 10 YEARS IN 3 SIMPLE STEPS

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.

Sign the
documents

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

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 11,90%

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.

What income do you require to be eligible for a loan?

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

Without proof of income

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.

How can you have a peaceful loan period?

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.

What does the Expresso Refinancing offer you?

Fixed interest for the entire credit period, of 11,90% 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

How much does it cost me?

You will find the necessary information at Fees and commissions

You have several refinancing options available

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!

Fill in the form below and we will contact you!

Your message has been sent successfully

All fields marked with * are required

By checking this field I understand that BRD processes my personal data in accordance with the mentions of the Information Note and I have read the Terms and conditions of use of the BRD site. *

Representative example valid on 15.12.2022, calculated for an EXPRESSO personal needs loan intended for refinancing over 5 years, in the amount of 36,000 lei, granted over a period of 10 years and repaid in 120 equal monthly installments, with the collection of the income in the BRD account and the contracting of a package of products and services: fixed interest of 11.90%, DAE 13.94%, the value of the first monthly sum 546.82 lei, subsequently decreases as a result of the reduction of the insurance premium, the total value payable 64,265.08 lei, which includes file analysis fee 200 lei, monthly current account management fee associated with zero lei credit (cost valid during the period of ownership 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 BRD Life Insurance Insurer). If you cancel the package of products and services, the monthly current account administration fee becomes 6 lei. You can find details on product and service packages at brd.ro/carduri si 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

Search form

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

GET YOUR EXPRESSO REFINANCING FOR 10 YEARS IN 3 SIMPLE STEPS

REFINE LOANS FROM OTHER BANKS AND ENJOY A LOT OF BENEFITS

Here is everything you need to know!

Here is everything you need to know!

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