Car Credit
Simple credit, directly in the showroom!
Car credit parameters
- you are the car owner from the very beginning
- the product is available in RON and EUR, with fix or floating interest rates
- the product addresses private individuals, freelancers as well as legal entities
- the car insurances are made through Porsche Broker de Asigurare by choosing one of our insurance partners. Details here
| Private individuals | Legal Entities | |
|---|---|---|
| currency | RON | EUR | RON | EUR |
| min. downpayment | 15% | 25% | 15% | 15% |
| max. contract duration | 60 months | 72 months |
Benefits
-
Car centred credit
The only credit designed especially for your car, implying reduced costs conpared to the personal needs' loans.
-
Comfort
You find everything you need for the car purchase directly in the showroom: the car + the financing + the insurance.
-
Transparent
There are no hidden taxes or fees, the only credit cost is the interest rate.
-
Flexible
The credit is approved taking into consideration a wide range of incomes, over different financing periods, with codebtors, if needed.
-
Commitment
We are here for any requests. You choose how we communicate: call center, e-mail, written request on our website and we call you (Call me back) or directly at the dealer.
-
Accessible
You have multiple payment methods for your instalment, you choose the one that best fits you.
-
Safety
You can choose to insure your dream car with Porsche Asigurari. By choosing our CASCO insurance you make sure that the damage procedures will run smoothly and efficiently.
Car credit is a product of Porsche Bank Romania SA
B-dul Pipera nr.2, cladirea Porsche Bank
Porsche Bank Romania S.A.
J23/812/04.06.2004
CUI 16489311
B-dul Pipera nr.2, cladirea Porsche Bank
Voluntari, judetul Ilfov
Frequently Asked Questions
WHERE and HOW can you pay the car loan instalments?
The reimbursement of instalments is done by funding your account opened with Porsche Bank, in accordance with the agreement and the attached reimbursement schedule. This payment method does not involve any invoices being issued to you and can be done through:
1. Cash deposit at:
-
the Porsche Bank cash desk in Bd. Pipera nr. 2, Voluntari, Ilfov , both in Lei and Eur
-
any OMV tank station, through the Westaco Express service, available also during weekends, only in Lei
- any Raiffeisen Bank agency, through multifunctional ATM (MFM), only in Lei, using your Porsche Bank card
2. Bank transfer to your account in Porsche Bank from any other bank where you hold a current account.
The CASCO insurance policy is paid directly to the chosen insurer, in one of their accounts.
In what currency will I reimburse the loan?
The credit will be reimbursed in the same currency in which it was granted (RON, EUR).
If you wish to reimburse a loan in a foreign currency (for example EUR), but you use RON to credit your account opened with Porsche Bank, the bank will automatically perform the currency exchange on the instalment maturity date, in the credit original currency and the loan instalment will be collected.
When should I transfer the instalment amount to my account?
The maturity schedule attached as an annex to the loan agreement specifies the maturity dates for all loan instalments. The maturity date is the one when the amount must be in your current account (opened with Porsche Bank Romania).
We recommend you take into account the fact that Porsche Bank Romania does not charge cashing fees, however there is a 0.55 RON fee charged by The National Bank of Romania.
Are the loan instalments fixed over the entire loan duration?
The loan instalments are fixed for the loan entire duration only if you have chosen a product with a fixed interest.
In the case of variable interest loans, the first 3 loan instalments remain unchanged, however, subsequent to the third instalment, the loan rate will remain constant/increase/decrease depending on: the EURIBOR development for 3 months for loans in EUR, the LIBOR development for 3 months for loans in CHF, and the ROBOR development, respectively, for loans in RON - and you will receive a new maturity schedule every term.
