This comparison has an uncommon common base: both banks publish an example for 45,000 lei over 60 months.
The same amount and term do not mean the same method
ING describes decreasing payments and variable interest. The Garanti example publishes a payment, APR and total, but our comparison adds no missing assumptions.
Figures to read together
| ING Bank | Garanti BBVA | |
|---|---|---|
| Amount | 45,000 lei | 45,000 lei |
| Term | 60 | 60 |
| Published APR | 14.23% | 14.01% |
| Published total | 60,202.23 lei | 61,681.30 lei |
These are published examples, not offers for a particular applicant. Income, insurance, salary transfer and application date may change the final result.
Bogdan Băicu, financial journalist: “I keep each bank's figures in its own column and do not turn a first payment into a constant payment. A tidy table can otherwise hide a faulty comparison.”
How to use the comparison
Request the pre-contract form from both banks on the same day and check total amount, payment type and included services. The SECCI guide shows where the fields sit.