Overall APR Example:

13,86% for €10,000, a total term of 60 months, with payment of interest only for the first 12 months, 150€ fees, variable rate, which is the sum of the Base Consumer Loan Rate (BCR), currently at 11.10%, plus a 0.75% spread, 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%.