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Green real estate-mortgage loan
Costs
Okay, fine, but... how much is the interest?
It's up to you. You can choose the type of interest applied to the amount borrowed.
Loan with fixed introductory interest rate, in lei
Fixed interest (in the first 3 years)
5,75%
Dobanda variable (from year 4)
8.19%* (IRCC + 2.29pp)
Fixed interest rate (in the first 5 years)
5,90%
Variable interest (from year 6)
8,30%* (IRCC + 2.40pp)
Loan with variable interest rate, in RON
Variable interest rate
8,85%* (IRCC + 2.95pp)
Introductory fixed-rate credit in lei
Fixed interest (in the first 3 years)
6,90%
Variable interest (from year 4)
8,70%* (IRCC + 2.80pp)
Fixed interest rate (in the first 5 years)
7,50%
Variable interest (from year 6)
8.80%* (IRCC + 2.90pp)
Loan with variable interest rate, in RON
Variable interest rate
8,85%* (IRCC + 2.95pp)
* In the case of variable-rate loans, it consists of the fixed margin of the bank plus the IRCC benchmark index and varies depending on the latter. The interest rate will be updated and modified by the bank quarterly, depending on the IRCC monetary index.
What other costs does this loan entail?
Because we want to have a relationship based on transparency and trust, we want you to know that we have certain fees. It's normal to know about them.
Commission
Value
Analysis of the introductory fixed-rate credit file in lei
400 lei
Analysis of the variable-rate credit file
400 lei
Credit management
150 lei / year
Services offered on request
100 lei / service provided
Property valuation fee
575 lei / apartment, 860 lei / house, land and buildings
Registration fee at the RNPM (National Register of Mobile Advertising)
87.60 lei / warranty
Partial/full early repayment fee
0%
* For the mortgaged real estate, it is necessary to conclude an insurance policy, during the entire loan period. We offer you the possibility to conclude the insurance policy for the real estate with a partner insurance company, with an annual premium of approximately 0.10% of the value of the building. In this situation, you can request at any time, the repayment schedule of the insurance premiums until the end of the loan.
Representative examples
The value of the real estate
323,529 lei
Minimum advance (%)
15%
Amount of the minimum advance
48,529 lei
Loan amount
275.000 lei
Duration
30 years (360 monthly installments)
Interest
fixed receive 3 years 5.75% then variable 8.19%* (IRCC + 2.29pp)
Monthly instalment
2.082 lei
AER (Annual Percentage Rate of Charge)
7,82%
TOTAL COST OF THE LOAN
325.183 lei
TOTAL AMOUNT OF PAYMENT
600.183 lei
The value of the real estate
323,529 lei
Minimum advance (%)
15%
Amount of the minimum advance
48,529 lei
Loan amount
275.000 lei
Duration
30 years (360 monthly installments)
Interest
fixed receive 3 years 5.75% then variable 8.19%* (IRCC + 2.29pp)
Monthly instalment
1,605 lei
AER (Annual Percentage Rate of Charge)
7,92%
TOTAL COST OF THE LOAN
443.926 lei
TOTAL AMOUNT OF PAYMENT
718.926 lei
The value of the real estate
323,529 lei
Minimum advance (%)
15%
Amount of the minimum advance
48,529 lei
Loan amount
275.000 lei
Duration
30 years (360 monthly installments)
Interest
fixed receive 5 years 7.50% then variable 8.80%* (IRCC + 2.90pp)
Monthly instalment
2,483 lei
AER (Annual Percentage Rate of Charge)
8,62%
TOTAL COST OF THE LOAN
353.157 lei
TOTAL AMOUNT OF PAYMENT
628.157 lei
The value of the real estate
323,529 lei
Minimum advance (%)
15%
Amount of the minimum advance
48,529 lei
Loan amount
275.000 lei
Duration
30 years (360 monthly installments)
Interest
fixed receive 5 years 7.50% then variable 8.80%* (IRCC + 2.90pp)
Monthly instalment
1,923 lei
AER (Annual Percentage Rate of Charge)
8,69%
TOTAL COST OF THE LOAN
490.346 lei
TOTAL AMOUNT OF PAYMENT
765.346 lei
The value of the real estate
323,529 lei
Minimum advance (%)
15%
Amount of the minimum advance
48,529 lei
Loan amount
275.000 lei
Duration
30 years (360 monthly installments)
Interest
variable 8.85%* (IRCC + 2.95pp)
Monthly instalment
2,792 lei
AER (Annual Percentage Rate of Charge)
9,37%
TOTAL COST OF THE LOAN
371,635 lei
TOTAL AMOUNT OF PAYMENT
646,635 lei
The value of the real estate
323,529 lei
Minimum advance (%)
15%
Amount of the minimum advance
48,529 lei
Loan amount
275.000 lei
Duration
30 years (360 monthly installments)
Interest
variable 8.85%* (IRCC + 2.95pp)
Monthly instalment
2,183 lei
AER (Annual Percentage Rate of Charge)
9,34%
TOTAL COST OF THE LOAN
516,473 lei
TOTAL AMOUNT OF PAYMENT
791,473 lei
*In the case of green mortgage loans with variable interest rates, this is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest rate will be updated and modified by the bank quarterly, according to the IRCC monetary index. Changes in the benchmark as well as income fluctuations may affect the ability to pay the loan instalments or the total amount payable.
Credit interest rate benchmarks
