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    HOME CREDITS

    Real estate-mortgage loan
    • Green real estate-mortgage loan
    • Currency

    Lei

    Lei/ Euro

    Lei

    Lei

    Lei/ Euro

    Lei

    Credit period

    Up to 30 years

    Up to 30 years

    Up to 30 years

    Up to 30 years

    Up to 30 years

    Up to 30 years

    Benefits

    Reduced interest rate on BT account for the purchase of an energy class A property or the refinancing from another bank of a loan secured on an energy class A property.

    Reduced interest on BT account income.

    State-guaranteed loan, in proportion to the percentage of guarantee, with a minimum down payment from 5% and favorable interest rate.

    Reduced interest rate on BT account for the purchase of an energy class A property or the refinancing from another bank of a loan secured on an energy class A property.

    Reduced interest on BT account income.

    State-guaranteed loan, in proportion to the percentage of guarantee, with a minimum down payment from 5% and favorable interest rate.

    Destination

    Purchase of an energy class A dwelling or refinancing from another bank of a loan secured by an energy class A property.

    The purchase, construction, completion or extension of real estate or to refinance a loan from another bank taken out for one of the above purposes.

    Buying a home.

    Purchase of an energy class A dwelling or refinancing from another bank of a loan secured by an energy class A property.

    The purchase, construction, completion or extension of real estate or to refinance a loan from another bank taken out for one of the above purposes.

    Buying a home.

    Eligibility

    No arrears on other loans, Romanian citizenship and good payment behavior. The property must have a class A energy performance certificate. You have a minimum down payment of 15% for loans in lei.

    No arrears on other loans, Romanian citizenship and good payment behavior. You have a minimum down payment of 15% for loans in lei and at least 20% for loans in euro.

    • Affidavit that you do not own in sole ownership or together with your spouse any dwelling, or you own in sole ownership or together with your spouse at most one dwelling, acquired by any other means than through the New Home program, with a useful surface area of less than 50 sq.m.
    • The building must be classified as energy efficiency class A, B or C.
    • You have a minimum down payment of 5% of the purchase price for all categories of housing if the purchase price is up to a maximum of EUR 70,000 (equivalent in lei) or a minimum of 15% of the purchase price for new or consolidated housing if the purchase price is between EUR 70,001 and a maximum of EUR 140,000 (equivalent in lei).
    • It shall constitute a collateral deposit in favor of the bank in the amount equal to 3 interest rates validly unavailable for the entire duration of the financing.

    No arrears on other loans, Romanian citizenship and good payment behavior. The property must have a class A energy performance certificate. You have a minimum down payment of 15% for loans in lei.

    No arrears on other loans, Romanian citizenship and good payment behavior. You have a minimum down payment of 15% for loans in lei and at least 20% for loans in euro.

    • Affidavit that you do not own in sole ownership or together with your spouse any dwelling, or you own in sole ownership or together with your spouse at most one dwelling, acquired by any other means than through the New Home program, with a useful surface area of less than 50 sq.m.
    • The building must be classified as energy efficiency class A, B or C.
    • You have a minimum down payment of 5% of the purchase price for all categories of housing if the purchase price is up to a maximum of EUR 70,000 (equivalent in lei) or a minimum of 15% of the purchase price for new or consolidated housing if the purchase price is between EUR 70,001 and a maximum of EUR 140,000 (equivalent in lei).
    • It shall constitute a collateral deposit in favor of the bank in the amount equal to 3 interest rates validly unavailable for the entire duration of the financing.
    Revenues accepted

    Permanent income (salaries, pensions, rents, dividends, other recurring income). You can take out the loan together with your spouse, children, brothers/sisters-in-law, brothers/in-laws, parents of your spouse and your life partner.

    Permanent income (salaries, pensions, rents, dividends, other recurring income). You can take out the loan together with your spouse, children, brothers/sisters-in-law, brothers/in-laws, parents of your spouse and your life partner.

    Permanent income (salaries, pensions, rents, dividends, other recurring income). You can take out the loan together with your spouse, children, brothers/sisters-in-law, brothers/ sisters-in-law, parents of your spouse.

    Permanent income (salaries, pensions, rents, dividends, other recurring income). You can take out the loan together with your spouse, children, brothers/sisters-in-law, brothers/in-laws, parents of your spouse and your life partner.

    Permanent income (salaries, pensions, rents, dividends, other recurring income). You can take out the loan together with your spouse, children, brothers/sisters-in-law, brothers/in-laws, parents of your spouse and your life partner.

    Permanent income (salaries, pensions, rents, dividends, other recurring income). You can take out the loan together with your spouse, children, brothers/sisters-in-law, brothers/ sisters-in-law, parents of your spouse.

    Minimum length of service

    Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.

    Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.

    Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.

    Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.

    Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.

    Minimum 3 months if you are not at your first employer or minimum 6 months if you are at your first employer.

    Interest

    Credit in lei with collection of income in BT account:

    • 5.05% introductory fixed interest for the first 3 years, then 7.84% thereafter* (IRCC + 2.29pp) variable interest from year 4
    • 5.60% introductory fixed interest rate for the first 5 years, then 7.95% thereafter* (IRCC + 2.40pp) variable interest in year 6
    • 8,50%* (IRCC + 2.95pp) variable interest

    Credit in lei with no income in your BT account:

    • 6.90% introductory fixed interest rate for the first 3 years, then 8.35% thereafter* (IRCC + 2.80pp) variable interest from year 4
    • 7.50% introductory fixed interest rate for the first 5 years, then 8.45% thereafter* (IRCC + 2.90pp)
    • 8,50%* (IRCC + 2.95pp) variable interest

    Credit in lei with collection of income in BT account:

    • 5.15% introductory fixed interest for the first 3 years, then 7.94% thereafter* (IRCC + 2.39pp) variable interest from year 4
    • 5.80% introductory fixed interest rate for the first 5 years, then 7.95% thereafter* (IRCC + 2.40pp) variable interest in year 6
    • 8,70%* (IRCC + 3.15pp) variable interest

    Credit in lei with no income in your BT account:

    • 6.90% introductory fixed interest rate for the first 3 years, then 8.35% thereafter* (IRCC + 2.80pp) variable interest from year 4
    • 7.50% introductory fixed interest rate for the first 5 years, then 8.45% thereafter* (IRCC + 2.90pp) variable interest from year 6
    • 8,90%* (IRCC + 3.35pp) variable interest

    Credit in euro with the income collected into a BT account:

    • 6,80%* (EURIBOR6M + 4.75pp) variable interest

    Credit in euro with no income received into your BT account:

    • 7,05%* (EURIBOR6M + 5.00pp) variable interest
    • 7,55%* (IRCC + 2.00pp) variable interest

    Credit in lei with collection of income in BT account:

    • 5.05% introductory fixed interest for the first 3 years, then 7.84% thereafter* (IRCC + 2.29pp) variable interest from year 4
    • 5.60% introductory fixed interest rate for the first 5 years, then 7.95% thereafter* (IRCC + 2.40pp) variable interest in year 6
    • 8,50%* (IRCC + 2.95pp) variable interest

    Credit in lei with no income in your BT account:

    • 6.90% introductory fixed interest rate for the first 3 years, then 8.35% thereafter* (IRCC + 2.80pp) variable interest from year 4
    • 7.50% introductory fixed interest rate for the first 5 years, then 8.45% thereafter* (IRCC + 2.90pp)
    • 8,50%* (IRCC + 2.95pp) variable interest

    Credit in lei with collection of income in BT account:

    • 5.15% introductory fixed interest for the first 3 years, then 7.94% thereafter* (IRCC + 2.39pp) variable interest from year 4
    • 5.80% introductory fixed interest rate for the first 5 years, then 7.95% thereafter* (IRCC + 2.40pp) variable interest in year 6
    • 8,70%* (IRCC + 3.15pp) variable interest

    Credit in lei with no income in your BT account:

    • 6.90% introductory fixed interest rate for the first 3 years, then 8.35% thereafter* (IRCC + 2.80pp) variable interest from year 4
    • 7.50% introductory fixed interest rate for the first 5 years, then 8.45% thereafter* (IRCC + 2.90pp) variable interest from year 6
    • 8,90%* (IRCC + 3.35pp) variable interest

    Credit in euro with the income collected into a BT account:

    • 6,80%* (EURIBOR6M + 4.75pp) variable interest

    Credit in euro with no income received into your BT account:

    • 7,05%* (EURIBOR6M + 5.00pp) variable interest
    • 7,55%* (IRCC + 2.00pp) variable interest
    Interest mention

    In the case of variable-rate loans, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index.

    In the case of variable interest rate loans/ for the variable interest application period in the case of introductory fixed interest rate loans in the first 3 or 5 years, the interest rate shall be composed of the bank's fixed margin plus the reference index IRCC or EURIBOR at 6 months and shall vary according to the evolution of the reference indices. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the evolution of the IRCC or 6-month EURIBOR monetary indices. Fluctuations in the reference indices and the exchange rate may affect the monthly payment amount.

    In the case of variable-rate loans, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index.

    In the case of variable-rate loans, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index.

    In the case of variable interest rate loans/ for the variable interest application period in the case of introductory fixed interest rate loans in the first 3 or 5 years, the interest rate shall be composed of the bank's fixed margin plus the reference index IRCC or EURIBOR at 6 months and shall vary according to the evolution of the reference indices. The interest rate will be updated and modified by the bank on a quarterly basis, depending on the evolution of the IRCC or 6-month EURIBOR monetary indices. Fluctuations in the reference indices and the exchange rate may affect the monthly payment amount.

    In the case of variable-rate loans, the variable interest rate is made up of the bank's fixed margin plus the IRCC reference index and varies according to the latter. The interest will be updated and modified by the bank on a quarterly basis according to the IRCC monetary index.

    Example calculation
    See example
    See example
    See example
    See example
    See example
    See example
    Minimum advances

    You have a minimum 15% deposit for loans in lei.

    You have a minimum advance of at least 15% for loans in lei or at least 20% for loans in euro.

    Minimum 5% of the purchase price, for all categories of dwellings where the purchase price is up to a maximum of EUR 70.000 (equivalent in RON) or minimum 15% of the purchase price, for new or consolidated dwellings where the purchase price is between EUR 70.001 and maximum EUR 140.000 (equivalent in RON).

    You have a minimum 15% deposit for loans in lei.

    You have a minimum advance of at least 15% for loans in lei or at least 20% for loans in euro.

    Minimum 5% of the purchase price, for all categories of dwellings where the purchase price is up to a maximum of EUR 70.000 (equivalent in RON) or minimum 15% of the purchase price, for new or consolidated dwellings where the purchase price is between EUR 70.001 and maximum EUR 140.000 (equivalent in RON).

    Apply for credit
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    Fees and commissions

    Credit file analysis

    400 lei

    400 lei / 100 euro

    200 lei

    400 lei

    400 lei / 100 euro

    200 lei

    Annual administration fee

    150 lei/ year

    150 lei/ year

    0.15%/year calculated on the balance of the guarantee on December 31 of the year preceding the year of payment and is payable to FNGCIMM

    150 lei/ year

    150 lei/ year

    0.15%/year calculated on the balance of the guarantee on December 31 of the year preceding the year of payment and is payable to FNGCIMM

    Services offered on request

    100 lei / service

    100 lei / service

    50 lei / service

    100 lei / service

    100 lei / service

    50 lei / service

    Property valuation fee

    575 lei apartment, 860 lei house, land and buildings

    575 lei apartment, 860 lei house, land and buildings

    450 lei apartment, 700 lei house, land and buildings

    575 lei apartment, 860 lei house, land and buildings

    575 lei apartment, 860 lei house, land and buildings

    450 lei apartment, 700 lei house, land and buildings

    RNPM registration fee

    87.6 lei / guarantee

    87.6 lei / guarantee

    175.2 lei

    87.6 lei / guarantee

    87.6 lei / guarantee

    175.2 lei

    Partial/full early repayment fee

    0 lei

    0 lei

    0 lei

    0 lei

    0 lei

    0 lei

    Insurance premium
    • 0.12% per annum of the value of the property provided as collateral in the case of a Groupama optional policy taken out exclusively in BT units
    • 130 lei per year for the PAD policy
    • 0.12% per annum of the value of the property provided as collateral in the case of a Groupama optional policy taken out exclusively in BT units
    • 130 lei per year for the PAD policy
    • 0.12% per annum of the value of the property provided as collateral in the case of a Groupama optional policy taken out exclusively in BT units
    • 130 lei per year for the PAD policy
    • 0.12% per annum of the value of the property provided as collateral in the case of a Groupama optional policy taken out exclusively in BT units
    • 130 lei per year for the PAD policy
    • 0.12% per annum of the value of the property provided as collateral in the case of a Groupama optional policy taken out exclusively in BT units
    • 130 lei per year for the PAD policy
    • 0.12% per annum of the value of the property provided as collateral in the case of a Groupama optional policy taken out exclusively in BT units
    • 130 lei per year for the PAD policy

    Documents needed

    Identity document
    ANAF agreement (to be signed in the unit)
    Documents proving the price of the real estate for which you are applying for the loan (e.g.: pre-contract of sale)
    Title deeds of the property taken as security
    The valuation report showing the market value of the property (we can help you with this)
    Updated land register extract
    Class A energy performance certificate
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