Your rights depend on the loan type and contract date. OUG 50/2010 and OUG 52/2016 do not have the same scope.
Establish the applicable rules before calculating a fee or deadline.
Documents before signing
Request pre-contract information, the draft agreement and explanations of unclear costs. Mortgages covered by OUG 52/2016 use FEIS. Compare the same amount and term, APR, payment and total repayment.
Keep the documents provided.
Withdrawal from consumer credit
For agreements covered by article 58 of OUG 50/2010, withdrawal is available within 14 calendar days. Time runs from conclusion or, if later, receipt of the required terms and information.
Exceptions include separate rules for linked credit and leasing; do not apply this right automatically to every financing product.
Article 59 requires dispatch of notice before the deadline, on paper or another durable medium, with evidence of transmission and receipt. Repay the drawn principal and accrued interest without unjustified delay, no later than 30 calendar days after dispatch. Interest alone is not enough. Article 60 retains an exception for non-refundable public charges.
Mortgage reflection period
Article 9 of OUG 52/2016 requires personalised information at least 15 calendar days before acceptance or signing. This is reflection before the contract, not a general right to cancel after signing. Consumers may accept earlier by expressly waiving use of the period in writing in a separate document.
Early repayment
Within OUG 50/2010, article 66 permits full or partial repayment. During a fixed-rate period, justified compensation under article 67 is capped at 1% of the amount repaid with more than one year remaining, or 0.5% with one year or less. Article 68 excludes compensation for non-fixed interest, overdrafts and certain insurance payments. Article 69 also caps it at remaining interest until the agreed end.
For agreements covered by OUG 52/2016, article 41 prohibits early-repayment charges. For partial repayment you may choose a shorter term, lower payment or both and request written simulations. Article 135 excludes agreements already running at entry into force from articles 1–129; check the applicable regime separately for an older contract.
Complaints and dispute resolution
First send a written complaint to the lender and keep its reply. For consumer-protection issues check the ANPC procedure. CSALB provides free alternative dispute resolution for consumers dealing with banks or IFNs, subject to its procedure. Participation and outcome are not guaranteed. SAL-FIN is not the general route for banking disputes.
Documents and practical steps
Keep the agreement, pre-contract sheet, schedule, payment records and correspondence. Document threats or abusive debt-collection contacts and seek guidance from the competent authority. For personal data, check the ANSPDCP procedure. Complex disputes or court deadlines may require legal assistance; this page does not replace an assessment of your contract.
Pre-contract information · Early repayment calculator · Refinancing explained