The Overall APR example for:

(Overall APR): 13,05% for 10.000€, total term 72 months, 200€ fees , current variable rate, which is the sum of the Base Consumer Loan Rate (BCR), currently at 11.10%, plus a spread of (- 0,15%) readjusted based on the fluctuations of the Euribor 1M rate. This readjustment may also differ by + 0.5% in addition to the fluctuations. Interest rates are also subject to the Law 128/1975 levy. Today it stands at 0.6%.