Real estate loan - mortgage

Credit in brief

• mLower interest if you collect the income at BT
• mOwn contribution from 15% of the property value (loans in lei) and from 20% (loans in euro) depending on: the purpose of the loan, the currency of the loan vs. the currency in which the income is earned and whether other real estate is owned
• m2,000 lei net notary fees voucher for refinancing real estate/mortgage loans from other banks or for real estate/mortgage loans with variable interest, granted for the purpose of modernisation/ consolidation/ rehabilitation/ extension of the dwelling for a maximum amount of EUR 35,000 (equivalent in lei)

As of August 2022 we have a NEW protocol concluded with ANAF, based on the Order of the President of ANAF no. 146/2022 published in the Official Gazette Part I no. 157 of 16 February 2022. The protocol includes the possibility to obtain information on the income of individuals applying for a BT credit. The information is obtained with the consent of the applicant, with the protection and assurance of professional secrecy, with respect for the rights concerning the processing of personal data. The protocol aims to improve the credit application process by simplifying documentation and facilitating access to finance.