Credit for studies

WHAT DO YOU WANT TO DO?

ARE YOU ALREADY A CUSTOMER?

Credit in brief

Up to 3,500 euros if you want to apply in the Work & Travel program, for 2 years
Up to €20,000 or €150,000 to continue your studies
You can take it with or without mortgage
Fixed or variable interest rate

Types of loans

Work & Travel

We want you to have as many pleasant experiences as possible, so we give you up to 3,500 euros (or the equivalent in lei) for a period of up to 2 years. What exactly do we finance?

Work & Travel program enrollment fee
Other fees (SEVIS fee, consular fee)
The cost of the air ticket
Pocket expenses: maximum 15% of the loan amount

You can sit quietly for 6 months from the moment you receive the loan, because you can choose not to pay anything, neither the installment nor the interest.

* In order to receive the money, you must be enrolled in a state or private educational program, up-to-date or remote, on budget or with payment, at other institutions or companies that organize professional training programs and prove that you have been accepted into the Work & Travel program.

Study loan

Financing of expenses related to studies/specialisation or qualification courses representing the tuition fee.

From the moment you receive the loan, up to 5 years, you can choose to pay only the interest.

In the case of loans for financing undergraduate/postgraduate studies , the following expenses related to studies, other than tuition fees, may be added up to a maximum of 2000 euros (equivalent in lei)/year for:

the value of accommodation and meals
office supplies, stationery and other necessary consumables
materials and services related to studies
financing of complementary expenditure of grants awarded under educational programmes for student mobility (Erasmus)

Most accessed credits for studies

No real estate guarantee

With real estate guarantee

Amount borrowed
39.000 lei

Amount borrowed
200.000 lei

Loan term
5 years (60 monthly instalments)

Loan term
12.50 years (150 monthly instalments)

Annual effective interest rate
14,88%

Annual percentage rate of charge
10,58%

Amount of the first instalment
902 lei

Amount of the first instalment
2146 lei

Total amount to be paid
54.396 lei

Total amount to be paid
388,785 lei

As of August 2022 we have a NEW protocol concluded with ANAF, based on the Order of the President of ANAF no. 146/2022 published in the Official Gazette Part I no. 157 of 16 February 2022. The protocol includes the possibility to obtain information on the income of individuals applying for a BT credit. The information is obtained with the consent of the applicant, with the protection and assurance of professional secrecy, with respect for the rights concerning the processing of personal data. The protocol aims to improve the credit application process by simplifying documentation and facilitating access to finance.

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