Camătă legalizată de autorităţi. Iei 1.000 de lei împrumut de la IFN și returnezi 4.500, după 15 luni • Newsweek România

In Romania, individuals can borrow 1,000 lei from non-banking financial institutions (IFN) and end up repaying 4,500 lei over 15 months. This legal practice involves extremely high annual interest rates, often targeting vulnerable groups like pensioners. The repayment structure, which includes daily interest and fees, leads to a significant financial burden, as initial payments primarily cover interest rather than reducing the principal. Despite regulatory oversight from the National Bank of Romania, the costs remain high, creating a cycle of debt for those in urgent need of funds. The marketing strategies of IFNs often mislead borrowers about the true costs of these loans, reminiscent of past predatory lending practices.