Kreditano

Retrieve the verified official IRCC applicable to the current period. Never substitute a daily observation for the applied quarterly rate. Return unavailable when source health or reconciliation fails.

Second-phase catalog, disabled by default. Only explicitly approved, freshly reviewed RON products are returned. Examples are NOT calculated quotes for the user or a cheapest-first ranking. No fast loans. Include the commercial disclosure.

Calculate a RON loan with equal instalments, nominal annual rates, an optional initial rate period and explicit costs. All numbers must come from the user or a verified source. Ask for missing costs; never assume zero. Not an APR calculation, offer or approval. Return the localized note and assumptions.

Compare RON repayment scenarios with optional two interest periods for each loan using the shared Kreditano calculator. Initial months mean months REMAINING from today. For a changing rate ask the user for both remaining initial months and a later nominal annual rate assumption. Never forecast IRCC or silently omit a known rate change. Omitted phase pairs mean a constant-rate scenario. Show monthly savings AND total cost difference, switching costs and remaining debt. Ask for every missing cost. No credit approval or variable-rate forecast.

Look up an organization name or company CUI in the IFN/intermediary registers only. Banks are NOT covered. If the user explicitly identifies a bank, set institutionType=bank to return out_of_scope; never interpret an uncovered bank as not found. Do not submit personal CNP, credentials or documents. A match is not a safety, authorization scope or website authenticity guarantee; not found does not establish illegality.