EDUCATION LOAN

We all want what is best for our children, seeking to provide the very best opportunities to prepare them for a bright future. Our proposal is to build their future together, by offering your children access to a world-class educational experience, at a top private school.

Now you can access the educational programmes at International British School of Bucharest (IBSB) through the new Education Loan product available from UniCredit Consumer Financing.

• Financing for school fees of up to 120,000 de Lei.

• Loan reimbursement in equal intalments annual interest rate). Representative calculation example for a “Promo 12M” Partner Loan for education, offered by UniCredit Consumer Financing IFN S.A. (as a result of meeting the eligibility criteria), in the amount of 54,000 Lei, for 12 months, equal instalments, with life insurance with a single financed insurance premium*** (added to the loan value, resulting in a borrowed value of 57,240 Lei)/ without life insurance: fixed annual interest rate is 0% / 8%, file analysis fee 0 Lei (charged only in the case of granting the loan), monthly credit administration fee 10 Lei, monthly instalment 4,780 Lei (equal instalments, also include the cost of insurance life)/ 4,737.45 Lei, the total amount payable is 57,360 Lei/ 56,849.36 Lei, EAR 0.39% (calculated on the total amount borrowed 57,240 Lei) / 10.04%.

• Easy application process, directly at the IBSB Admissions Office.

***The single life insurance premium financed by the Lender is 3,240 Lei, calculated as a percentage of 0.5% of the loan value of 54,000 lei and multiplied by the 12-month loan period, resulting in a borrowed value of 57,240 lei. The cost of financing by the Lender of the single life insurance premium is 0 Lei, calculated by applying the annual interest rate of 0% to the value of the loan representing the single insurance premium.

EAR is calculated according to the legal regulation in force and includes annual fixed interest rate, file analysis fee (0 Lei), monthly credit administration fee (0 Lei) and, in the case the client acquires a life insurance, the cost of the insurance premium.

The decision for crediting belongs solely to UniCredit Consumer Financing IFN SA, the Creditor reserving the right to request, when the case requires, any documents necessary in the crediting analysis, according to its internal regulations and the legal effective settlements. The present does not value, according to the law, the offer to contract financial products / services from UniCredit Consumer Financing IFN S.A., which can be modified or revoked at any time. According to the law, the product or financial service offer is the one valid at the time of registration of the product / service request and, regardless of the elements of the respective offer, the contract is considered concluded only on the date of its formal signature or, as the case may be, according to the legal provisions applicable to the remote contract conclusion. For the avoidance of any doubt, this document is not a binding offer and does not create any obligation or liability whatsoever for UniCredit Consumer Financing IFN S.A., does not represent an offer as defined by Romanian law, and any understanding between the parties will be concluded only at the moment of signing of a credit contract. The above mentioned financial terms are subject to: (i) the applicable legal provisions and could suffer modification in case of any material changes in legal provisions related to the consumer protection and products pricing.

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