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To: SIMONA@VOLUNTARIAT.RO
Subject: Inca mai ai timp pentru creditul dorit.
Message-ID: <0b31312b4dae94c4afc8a16b09bf6e65@clienti.mailio.ro>
Date: Tue, 29 Nov 2011 23:27:21 +0300
From: "Banca Transilvania" <newsletter-bt@clientbt.ro>
Reply-To: newsletter@bancatransilvania.ro
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<html><head></head><body><meta content=3D"text/html; charset=3Dutf-8" />
<table width=3D"100%" border=3D"0">
<tbody>
<tr>
<td align=3D"center" bgcolor=3D"#ffffff">
<table width=3D"770" bordercolor=3D"#f0a412" border=3D"0">
<tbody>
<tr>
<td align=3D"center" bgcolor=3D"#ffffff">
<table width=3D"750" border=3D"0">
<tbody>
<tr>
<td width=3D"454" style=3D"font-family: 'Trebuchet MS', Arial, Helvetica,
sans-serif; font-size: 13px; line-height: 19px; text-align: justify;">
<p style=3D"font-size: 18px;"><b>CREDITE IN LEI SI EURO</b></p>
<p><b>Oferta speciala pentru credite noi si refinantari de la alte
banci.</b></p>
<p>Ai nevoie de bani cu destinatie multipla fara a preciza destinatia lor=
?
Doresti sa obtii un credit de mare valoare, si poti prezenta garantii
imobiliare? <b>Banca Transilvania te ajuta sa-ti indeplinesti visul prin
intermediul creditelor in lei si euro, Solutia BT.</b></p>
<p>In plus, daca le accesezi pana in <b>31 ianuarie 2012, ai comision de
analiza dosar zero</b>!</p>
</td>
<td align=3D"right" style=3D"font-family: 'Trebuchet MS', Arial, Helvetic=
a,
sans-serif; font-size: 13px; line-height: 19px;"><img height=3D"225"
width=3D"276" src=3D"cid:4135c1321fba80277adddb1cbca93cbd" alt=3D"cred12.=
jpg"
title=3D"cred12.jpg" /></td>
</tr>
<tr>
<td colspan=3D"2" style=3D"font-family: 'Trebuchet MS', Arial, Helvetica,
sans-serif; font-size: 13px; line-height: 19px;">&nbsp;</td>
</tr>
<tr>
<td colspan=3D"2" style=3D"font-family: 'Trebuchet MS', Arial, Helvetica,
sans-serif; font-size: 13px; line-height: 19px;">
<table width=3D"100%" cellpadding=3D"4" border=3D"1" style=3D"font-family=
:
'Trebuchet MS', Arial, Helvetica, sans-serif; font-size: 13px; line-heigh=
t:
19px;">
<tbody>
<tr>
<td align=3D"left" width=3D"19%" bgcolor=3D"#fefbe9">&nbsp;</td>
<td align=3D"left" width=3D"42%" bgcolor=3D"#fefbe9"><b>Solutia BT&nbsp; =
in euro
cu dobanda fixa&nbsp; 1 an si apoi variabila</b></td>
<td align=3D"left" width=3D"39%" bgcolor=3D"#fefbe9"><b>Solutia BT&nbsp; =
in lei
cu dobanda fixa 2 ani si apoi variabila</b></td>
</tr>
<tr>
<td align=3D"left" bgcolor=3D"#fefbe9"><b>Suma maxima</b></td>
<td align=3D"left" bgcolor=3D"#fefbe9">250.000 euro</td>
<td align=3D"left" bgcolor=3D"#fefbe9">250.000 euro in echivalent lei</td=
>
</tr>
<tr>
<td align=3D"left" bgcolor=3D"#fefbe9"><b>Perioada maxima</b></td>
<td align=3D"left" bgcolor=3D"#fefbe9">30 ani</td>
<td align=3D"left" bgcolor=3D"#fefbe9">30 ani</td>
</tr>
<tr>
<td align=3D"left" bgcolor=3D"#fefbe9"><b>Dobanda </b></td>
<td align=3D"left" bgcolor=3D"#fefbe9">
<p>- dobanda fixa 1 an:&nbsp; 6%<br />- dobanda variabila dupa 1 an:&nbsp=
;
<br />EURIBOR 6M + 5,5pp&nbsp;(pentru clientii cu virare salariu in cont
BT)<br />EURIBOR 6M + 6pp</p>
</td>
<td align=3D"left" bgcolor=3D"#fefbe9">
<p>- dobanda fixa 2 ani:&nbsp; 6,9%<br />- dobanda variabila dupa 2
ani:&nbsp; <br />ROBOR 6M + 2,5pp&nbsp;(pentru clientii cu virare salariu
in cont BT)<br />ROBOR 6M + 3pp</p>
</td>
</tr>
</tbody>
</table>
</td>
</tr>
<tr>
<td align=3D"left" colspan=3D"2" style=3D"font-family: 'Trebuchet MS', Ar=
ial,
Helvetica, sans-serif; font-size: 13px; line-height: 19px;">&nbsp;</td>
</tr>
<tr>
<td align=3D"left" colspan=3D"2" style=3D"font-family: 'Trebuchet MS', Ar=
ial,
Helvetica, sans-serif; font-size: 13px; line-height: 19px;">
<p><b>Ce mai trebuie sa platesti pentru aceste credite:</b></p>
<ul>
<li>comision de analiza dosar: 0;</li>
<li>comision anual de administrare credit (platibil anual intr-o singura
transa, la scadenta creditului din luna iunie, cel tarziu pana in 30
iunie): 150 lei/an;</li>
<li>comision unic pentru servicii prestate la cererea consumatorilor
(pentru toate creditele acordate clientilor persoane fizice): 100 de lei
pentru fiecare serviciu prestat;</li>
<li>costurile de evaluare a imobilului si costurile notariale;</li>
<li>asigurare imobil;</li>
<li>asigurare de viata doar pentru creditele mai mari de 25.000 euro (sau
echivalent), incheiate la 20% din valoarea creditului;</li>
<li>comision de rambursare anticipata:<br /><span style=3D"font-size:
12px;">&bull; 1% daca perioada de timp dintre rambursarea anticipata si
perioada maxima de dobanda fixa este mai mare de 1 an;<br />&bull; 0,5%
daca perioada de timp dintre rambursarea anticipata si perioada maxima de
dobanda fixa este mai mica de 1 an;<br />&bull; 0% dupa ce dobanda devine
variabila;</span> </li>
</ul>
<p><b>Exemplu pentru un credit Solutia BT cu dobanda fixa introductorie 1
an si apoi variabila</b> in valoare de 50.000 euro, pe o perioada de 30 a=
ni
- dobanda fixa, 6% &nbsp;1 an, costurile unui credit contractat de o
persoana care isi incaseaza salariul in cont BT sunt: - DAE: 7,46% ;&nbsp=
;-
Suma totala de plata: 123.035 euro ; - Rata prima luna: 300 euro</p>
<p><b>Exemplu pentru un credit Solutia BT cu dobanda fixa introductorie 2
ani si apoi variabila</b> in valoare de 200.000 lei, pe o perioada de 30
ani - dobanda fixa, 6,9% &nbsp;2 ani, costurile unui credit contractat de=
 o
persoana care isi incaseaza salariul in cont BT sunt: - DAE: 9,25% ; - Su=
ma
totala de plata: 585.344 lei; - Rata prima luna: 1.320 lei</p>
<p><b>In plus, Banca Transilvania iti ofera si credite imobiliare si
credite ipotecare atat in lei, cat si in euro</b>. Poti sa stii exact car=
e
e rata lunara pentru suma de care ai nevoie, accesand<b> </b><a
href=3D"http://clienti.mailio.ro/link.php?M=3D2013293&N=3D341&L=3D67&F=3D=
H"
style=3D"color: #000;"><b>simulatorul de credite</b></a>.</p>
</td>
</tr>
<tr>
<td align=3D"left" colspan=3D"2" style=3D"font-family: 'Trebuchet MS', Ar=
ial,
Helvetica, sans-serif; font-size: 13px; line-height: 19px;">&nbsp;</td>
</tr>
<tr>
<td align=3D"left" colspan=3D"2" height=3D"1" bgcolor=3D"#f0a412"
style=3D"font-family: 'Trebuchet MS', Arial, Helvetica, sans-serif;"></td=
>
</tr>
<tr>
<td align=3D"left" colspan=3D"2" style=3D"font-family: 'Trebuchet MS', Ar=
ial,
Helvetica, sans-serif; font-size: 13px; line-height: 19px;"><img
height=3D"82" width=3D"292" src=3D"cid:1cfd27c62f86be3f8c1d17d74724b70d"
alt=3D"cred2.jpg" title=3D"cred2.jpg" /></td>
</tr>
<tr>
<td align=3D"center" colspan=3D"2" style=3D"font-family: 'Trebuchet MS', =
Arial,
Helvetica, sans-serif; font-size: 13px; line-height: 19px;"><a
href=3D"http://clienti.mailio.ro/unsubscribe.php?M=3D2013293&C=3Da1985658=
3c02eebdb14e7b112e3e1c67&L=3D71&N=3D341">Click
aici pentru a te dezabona de la newsletter-ul Banca Transilvania</a></td>
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</tbody>
</table>
</td>
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