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www.creditrefinantare.ro - Millennium Bank provides online consultancy for refinancing
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Millennium Bank provides online consultancy for identifying refinancing options that fit different client needs. The bank launched a dedicated website, www.creditrefinantare.ro, an application developed based on three different client profiles and financial needs scenarios, which provides simulations for a Millennium Bank refinancing loan.
After choosing one of the three options - reduce the monthly instalment, save money by keeping the same monthly instalment or reduce the loan tenor -, users fill in the information regarding their present debt and the application offers examples of calculation.
The platform gives a new and different perspective on refinancing. It does not only provide a tool to calculate the new monthly instalment obtained through refinancing, but it also makes the user aware of the added value of putting aside the money saved after refinancing. The monthly difference gained through refinancing can be kept in a saving account and the money accumulated can be used from time to time to early repay the loan. This can bring significant savings, by reducing the total interest clients pay for the loan and the calculator provided by the website offers such simulations.
“This tool is a first step for clients who are interested in refinancing their debt and want to make an idea about the benefits they can get. In addition to that, it provides basic financial education to clients, by familiarizing them with the idea of financial planning”, Eliza Erhan, Head of Retail Product Development with Millennium Bank, stated.
Millennium Bank’s refinancing offer includes three products, each of them designed to answer specific client needs. The Mortgage Loan addresses customers who want to refinance an existing mortgage loan in order to reduce the monthly instalment, the standard Cash Loan with Mortgage can refinance any type of loan in order to have only one monthly installment, while the Refinancing Cash Loan with Mortgage allows clients to refinance an existing mortgage loan and, in addition, get an extra amount to use either to refinance other debt or for other purposes, without justification needed.
Millennium Bank, part of the leading financial private group in Portugal, Millennium bcp, started its activity on the Romanian market on October 11, 2007, by simultaneously opening 39 branches in Bucharest and in other eight cities of the country. The bank addresses both individuals and companies, through an extensive range of products.
Millennium bcp is a success story in European banking. Founded in 1985, Millennium bcp registered, at the end of December 2010, total assets of more than EUR 100 billion. Millennium is Portugal's leading private financial group and is included in key national and international stock market indices, in particular the Euronext PSI Financial Services, PSI-20, DJ Eurostoxx banks, Bebanks and Euronext 100, of the Lisbon, Paris, Brussels and Amsterdam Stock Exchanges.
Millennium bcp has a network of more than 1,700 units and a total of above 21,000 employees.
Millennium bcp provides a wide range of products and services, namely savings, investment, mortgage loans, consumer credit, commercial banking, leasing, factoring, insurance, investment banking, private banking and asset management, serving its customers on a segmented basis. Emphasis is given to the Internet Banking service, which has been distinguished in Europe for its quality and innovation. Since its incorporation, Millennium bcp has been renowned for its dynamism, innovation, competitiveness, profitability and financial strength.
It has made its mark as the top leader in several financial business areas on the domestic market and as reference in the distribution of financial products and services on an international level. Millennium bcp operates in Portugal, Poland, Greece, Romania, Switzerland, Mozambique, Angola, France and Luxembourg. All operations are carried out under the Millennium brand.
Millennium bcp's focus is on the creation of value in markets selected on the basis of a controlled risk profile and high growth potential, to sustain its internationally-recognized service excellence and innovation in financial products..
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