applied_ircc
ChatGPTRetrieve 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.
Finance
Overview
Compare loan repayment scenarios in Romanian lei, including refinancing with an initial interest period and a later rate assumption. See monthly instalments, total costs and remaining debt. Retrieve the currently applied official IRCC and check organizations within the supported non-bank lender and credit intermediary registers. Results are informational estimates, not personalized advice, credit approval or a loan application. Banks are outside the register lookup scope. Product listings are disabled. Optional links let you continue the calculation on kreditano.ro. Romanian, English, Hungarian and German are supported.
Tools
list_products
ChatGPTSecond-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.
loan_cost
ChatGPTCalculate 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.
refinance_compare
ChatGPTCompare 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.
verify_lender
ChatGPTLook 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.
Capabilities
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