The new house
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What homes can be bought through the New Home?
- If the house is ready for more than 5 years from the date of the request, then the maximum value of the loan you can receive is 66,500 euros, equivalent in lei. The minimum advance you have to deposit is 5% of the purchase price of the home*
- If the house is new (it has been finished for less than 5 years compared to the date of the request), and the purchase price does not exceed 70,000 euros, then the maximum amount of credit you can receive is 66,500 euros, equivalent in lei. The minimum advance you have to deposit is 5% of the purchase price of the home*
- If the house is new, and the purchase price is higher than 70,001 euros, then the maximum value of the loan you can receive is 119,000 euros, equivalent in lei. The minimum advance you have to deposit is 15% of the purchase price of the home*
* The advance covers the difference between the purchase price resulting from the sale-purchase pre-contract and the financing guaranteed by the bank.
The most accessed loans
New home loan, with variable interest rate
Amount borrowed
280.000 lei
280.000 lei
Amount borrowed
350.000 lei
350.000 lei
Duration of the loan
30 years (360 monthly installments)
30 years (360 monthly installments)
Duration of the loan
30 years (360 monthly installments)
30 years (360 monthly installments)
Annual effective interest rate
8,43%
8,43%
Annual percentage rate of charge
8,46%
8,46%
Amount of the first instalment
2.051 lei
2.051 lei
Amount of the first instalment
2.563 lei
2.563 lei
Total amount to be paid
746,788 lei
746,788 lei
Total amount to be paid
935,537 lei
935,537 lei
* The above examples are loans with variable interest, calculated for people who collect their salary at BT.
Starting with August, we have a NEW protocol concluded with ANAF, which is 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 of obtaining information on the income of natural persons applying for a BT loan. The information is taken over with the applicant's consent, with the protection and assurance of professional secrecy, respecting the rights regarding the processing of personal data. The protocol aims to improve the application process for a loan by simplifying documentation and easier access to finance.
