It is time not to postpone any plans, because now you can get a fast consumer loan from Mikro Kapital.
Mikro Kapital offers loans to individuals with or without personal, mortgage, or real estate (house, apartment or land) of up to 700,000 ron for a maximum period of 60 months.
Some possible destinations of consumer loans:
- Repairs
- Studies
- Acquisition of furniture
- Car purchase
- Household appliances
- Other destinations
Who can be beneficiaries of consumer loans:
| Loan amount | 2 000 – 20 000 lei |
|---|---|
| Term | 36 months |
| Guarantee | Personal guarantee (minimum one guarantor) |
| Example of calculation | Credit amounting to - 15,000 ron, for a period of 36 months, the interest rate - fixed, applied to the balance (monthly total rate = 594.25 ron) Annual interest rate: 14.90%; DAE: 30.64%. Commission analysis dossier - 450 ron; Management fee - 0.5% from the total loan (75 ron); Refund fee - 0 ron Total payable amount: 21842.82 ron. Other costs: Enrollment in AEGRM (66 ron), Total credit for the consumer: Credit 15.000 ron + interest for the entire credit period of 36 months, amounting to 3 692.82 ron + total commissions in value of 3 150 ron + cost registration fee in AEGRM in the amount of 66 ron. |
| Loan amount | 20 001 – 45 000 lei |
|---|---|
| Term | 60 months |
| Guarantee | two personal guarantor or one personal guarantor and movable property |
| Example of calculation | Loan amounting to - 30,000 ron, for a period of 60 months, the interest rate - fixed, applied to the balance (monthly total rate = 786.06 ron) Annual interest rate: 12.90%; DAE: 22.17%. Commission analysis dossier - 450 ron; Management fee - 0.35% from the total loan (105 ron); Refund fee - 0 ron Total payable amount: 47 613.37 ron. Other costs: Enrollment in AEGRM (66 ron) Total credit cost for the consumer: Credit 30,000 ron + interest for the entire 60-month credit period, amounting to 10,863.37 ron + total commissions in the amount of 6,750 ron + cost fee registration fee in AEGRM in the amount of 66 ron. |
| Loan amount | 45 001 – 135 000 lei |
|---|---|
| Term | 60 months |
| Guarantee | personal guarantee and movable property |
| Example of calculation | Credit amounting to - 70,000 ron, for a period of 60 months, the interest rate - fixed, applied to the balance (monthly total rate = 1763.48 ron) Annual interest rate: 10.90%; DAE: 19.48%. Commission analysis dossier - 450 ron; Management fee - 0.35% from the total loan (245 ron); Refund fee - 0 ron Total payable amount: 106 258.91 ron. Other costs: registration of AEGRM (132 ron - two registrations: fideius and mortgage) Total credit for the consumer: Credit 70.000 ron + interest for the entire 60 month loan period, amounting to 21,108.91 ron + total commissions in value of 15,150 ron + cost registration fee in AEGRM in the amount of 132 ron. |
| Loan amount | 135 001 – 700 000 lei |
|---|---|
| Term | 60 months |
| Guarantee | personal guarantee and mortgage |
| Example of calculation | Credit amounting to - 220,000 ron, for a period of 60 months, the interest rate - fixed, applied to the balance (monthly total rate = 5326.17 ron) Annual interest rate: 8.90%; DAE: 17.40%. Commission analysis dossier - 450 ron; Management fee - 0.35% from the total loan (770 ron); Refund fee - 0 ron Total payable amount: 321 670.08 ron. Other costs: registration of AEGRM (66 ron), annual premium for real estate insurance (compulsory or optional, insurance cost used in the example - 300 ron, taken into account in the establishment of DAE); If applicable, cost evaluation guarantee (ex 450 ron). Total credit cost for the consumer: Credit 220,000 ron + interest for the entire 60-month loan period, worth 53 370.08 ron + total commissions in value of 47550 ron + annual cost insurance guarantee in the amount of 300 ron + cost registration fee notice In AEGRM in the amount of 66 ron + tax Assessment report in the amount of 450 ron. |
Beneficiaries of consumer loans are private individuals who have income from salary, pension, rent or other monthly permanent or semi-permanent income and are aged between 18 and 65 years (65 years when loan is finishing).
Conditions for granting consumer loans:
Benefits:* The calculations are indicative and have no contractual value. INTEREST IS NEGOCIABLE BY FUNCTION the amount requested, the credit period, the amount of the guarantee, etc.
How to get a fast consumer loan?
To obtain a consumer loan requires a minimum package of documents:
- Identity Card for applicants / personal guarantors
- Income statement
- Copy of labor contract
Benefits:
- Minimum package of documents
- The answer is provided in two days
- Transparency
- Flexible repayment chart
• Expenses with the registration of the notice in the Electronic Archive of Securities (ex.66 ron);
• Compulsory and optional insurance policy for the property that is a guarantee, concluded with a Romanian insurance / reinsurance company (ex 300 ron); Notary expenses for the registration of the mortgage in favor of Mikro Kapital (eg 1000 ron); The evaluation report of the real estate that is intended to be put into collateral (ex 450 ron) - in the case of loans secured by a real estate.