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# What is the levy under law 128/75;

The levy under Law 128/75, expressed as a percentage (0.12% for housing loans and 0.60% for other real estate loans), is added to the respective interest rate (fixed or variable) on the basis of which the borrower's monthly installment is calculated for the respective period. 

| For example, if the interest rate for the period in question is 3.80%, the final interest rate will be 3.80% + 0.12% = 3.92%.

The levy is paid by the borrower to the bank, which in turn pays it to the state.