What is IRCC and how does it influence my monthly loan rate? - IntrebBT | Transilvania Bank

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What is IRCC and how does it influence my monthly loan rate?

IRCC is an index established by BNR and updated quarterly. It only affects loans with variable interest rates: if IRCC increases, the rate increases; if it decreases, your rate decreases.

For example, an IRCC of 5.5% + the bank's margin of 1.9% means a total interest rate of 7.4%. The current IRCC value can be found on the National Bank of Romania's website.

Last update

2026-06-12

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Mortgage loan Tariffa Tariffa Interest Variable interest IRCC National Bank of Romania Personal loan