IRCC today, with daily and applied values kept separate

Why today's value does not enter your payment immediately

The daily IRCC is one input to the calculation, not the interest rate a bank applies on the same day. The quarterly value is based on observed interbank transactions and reaches variable-rate contracts after the statutory delay.

This separation matters when you compare two loan schedules.

The quarter label describes when observations were collected. The effective dates show when the resulting index can be used in a contract. Kreditano keeps both on the same screen without calling a partial average a forecast.

How the series is checked

The collector stores the raw NBR response, retrieval time and reference date. A later correction creates an auditable revision instead of silently replacing the previous record.

Publication stops if the source structure changes, the content type is unexpected or observed dates no longer match the verified Romanian business calendar. The last valid observation remains visible with its age.

What changes the estimated payment

A typical variable rate combines IRCC with the fixed margin in your contract. Balance, remaining term, repayment method, fees and the contractual review date all affect the monthly amount.

Roman, former BCR analyst: “I checked the interest review date before comparing schedules. Two loans using the same IRCC could update in different months because the rule sat in the contract.”

Use the refinancing calculator only after entering documented fees. A lower monthly payment is not a saving if new costs exceed the benefit during the period you plan to keep the loan.