Current needs loan for real estate
Conditions for granting
To receive this credit you must have:
- Romanian citizenship and permanent residence in Romania
- a good payer behaviour
- salary, pension or other stable income for at least 3 months
Required documents:
- identity document
- ANAF agreement (you receive it and you sign it at our headquarters)
Documents showing the own contribution andthe amount of the loan:
- for the purchase of a building - privately signed preliminary sales contract/authenticated sales contract/building contract/auction contract for a building, specifying, if applicable, the down payment of at least 40% (certified copy)
- for the construction / completion / extension of a building - building permit, technical execution project, general estimate of works together with approvals from utility suppliers, financing plan
- for modernisation/renovation of a building - the estimated works estimate, which may include modernisation/renovation works carried out up to 6 months prior to the credit application
- statement of account in case of deposit of the advance to the current account
- if you take the credit for the construction, extension, completion, arrangement or modernization of a building,we will ask you for supporting documents (e.g. invoices, receipts, etc.) only for 50% of the amount used, the rest of the money you can withdraw in cash, for the payment of labor
Note: if you use the credit for the construction, extension, completion, fitting out or modernisation of a building, we will ask you for supporting documents (i.e. invoices, receipts, etc.) for only 50% of the amount used, you can withdraw the rest of the money in cash to pay for the work.