Shopping cards
Cards in lei
The Youth Card
The new house
Credit in brief
Which house can you buy through New Home?
- If your home has been ready for more than 5 years from the date of application, you can receive a maximum loan of 66,500 euros (equivalent in lei). The minimum down payment is 5% of the purchase price of the home.*
- If the house is new (has been completed less than 5 years before the date of application) and the purchase price does not exceed 70,000 euros, you can receive a maximum of 66,500 euros (equivalent in lei). The minimum down payment you must make is 5% of the purchase price of the home.*
- If the house is new and the purchase price is more than 70,001 euros, then you can receive a maximum loan of 119,000 euros (equivalent in lei). The minimum down payment 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, with equal or decreasing instalments.
Loan amount
280.000 lei
280.000 lei
Loan amount
280.000 lei
280.000 lei
Duration
30 years (360 monthly instalments)
30 years (360 monthly instalments)
Duration
30 years (360 monthly instalments)
30 years (360 monthly instalments)
Annual effective interest rate
8.29%
8.29%
Annual effective interest rate
8.30%
8.30%
Amount of the first instalment
2.047 lei
2.047 lei
Amount of the first instalment
2.635 lei
2.635 lei
Total amount to be paid
737.487 lei
737.487 lei
Total amount to be paid
615.910 lei
615.910 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.
