COMPARE
HOME LOANS
Lei
Lei/Euro
Lei
Lei
Lei/Euro
Lei
Up to 30 years
Up to 30 years
Up to 30 years
Up to 30 years
Up to 30 years
Up to 30 years
Reduced interest rate when income is deposited into a BT account for the purchase of a property with energy efficiency class A or for refinancing a loan secured by a property with energy efficiency class A from another bank.
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 when income is deposited into a BT account for the purchase of a property with energy efficiency class A or for refinancing a loan secured by a property with energy efficiency class A from another bank.
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.
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.
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.
* A sworn statement that you do not own, either solely or jointly with your spouse, any residential property; or that you own, either solely or jointly with your spouse, no more than one residential property—acquired by any means other than through the “Nouă Casă” program—with a usable floor area of less than 50 square meters. * The property must be classified in one of the energy efficiency classes A, B, or C. * You must have a down payment of at least 5% of the purchase price for all categories of housing if the purchase price is 70,000 EUR or less (equivalent in lei), or at least 15% of the purchase price, for new or renovated homes, if the purchase price is between 70,001 EUR and a maximum of 140,000 EUR (equivalent in lei). * You must provide collateral to the bank in an amount equal to 3 interest payments, which must remain frozen for the entire duration of the loan.
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.
* A sworn statement that you do not own, either solely or jointly with your spouse, any residential property; or that you own, either solely or jointly with your spouse, no more than one residential property—acquired by any means other than through the “Nouă Casă” program—with a usable floor area of less than 50 square meters. * The property must be classified in one of the energy efficiency classes A, B, or C. * You must have a down payment of at least 5% of the purchase price for all categories of housing if the purchase price is 70,000 EUR or less (equivalent in lei), or at least 15% of the purchase price, for new or renovated homes, if the purchase price is between 70,001 EUR and a maximum of 140,000 EUR (equivalent in lei). * You must provide collateral to the bank in an amount equal to 3 interest payments, which must remain frozen for the entire duration of the loan.
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 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.
Credit in lei with collection of income in BT account:
- 4.99% fixed introductory interest rate for the first 2 years, then 7.55%* (IRCC + 1.99 percentage points) variable interest rate starting in year 3
- 5.15% fixed introductory interest rate for the first 3 years, then 7.66%* (IRCC + 2.10 percentage points) variable interest rate starting in the 4th year
- 8.51%* (IRCC + 2.95 percentage points) variable interest rate
Credit in lei with no income in your BT account:
- 6.30% fixed introductory interest rate for the first 2 years, then 8.36%* (IRCC + 2.80 percentage points) variable interest rate starting in the third year
- 6.70% fixed introductory interest rate for the first 3 years, then 8.36%* (IRCC + 2.80 percentage points) variable interest rate starting in year 4
- 8.51%* (IRCC + 2.95 percentage points) variable interest rate
Credit in lei with collection of income in BT account:
- 5.09% fixed introductory interest rate for the first 2 years, then 7.55%* (IRCC + 1.99 percentage points) variable interest rate starting in year 3
- 5.20% fixed introductory interest rate for the first 3 years, then 7.66%* (IRCC + 2.10 percentage points) variable interest rate starting in the 4th year
- 8.71%* (IRCC + 3.15 percentage points) variable interest rate
Credit in lei with no income in your BT account:
- 6.30% fixed introductory interest rate for the first 2 years, then 8.36%* (IRCC + 2.80 percentage points) variable interest rate starting in the third year
- 6.70% fixed introductory interest rate for the first 3 years, then 8.36%* (IRCC + 2.80 percentage points) variable interest rate starting in the 4th year
- 8.91%* (IRCC + 3.35 percentage points) variable interest rate
Credit in euro with the income collected into a BT account:
- 7.32%* (6-month EURIBOR + 4.75 percentage points) variable interest rate
Credit in euro with no income received into your BT account:
- 7.57%* (6-month EURIBOR + 5.00 pp) variable interest rate
- 7.56%* (IRCC + 2.00 percentage points) variable interest rate
Credit in lei with collection of income in BT account:
- 4.99% fixed introductory interest rate for the first 2 years, then 7.55%* (IRCC + 1.99 percentage points) variable interest rate starting in year 3
- 5.15% fixed introductory interest rate for the first 3 years, then 7.66%* (IRCC + 2.10 percentage points) variable interest rate starting in the 4th year
- 8.51%* (IRCC + 2.95 percentage points) variable interest rate
Credit in lei with no income in your BT account:
- 6.30% fixed introductory interest rate for the first 2 years, then 8.36%* (IRCC + 2.80 percentage points) variable interest rate starting in the third year
- 6.70% fixed introductory interest rate for the first 3 years, then 8.36%* (IRCC + 2.80 percentage points) variable interest rate starting in year 4
- 8.51%* (IRCC + 2.95 percentage points) variable interest rate
Credit in lei with collection of income in BT account:
- 5.09% fixed introductory interest rate for the first 2 years, then 7.55%* (IRCC + 1.99 percentage points) variable interest rate starting in year 3
- 5.20% fixed introductory interest rate for the first 3 years, then 7.66%* (IRCC + 2.10 percentage points) variable interest rate starting in the 4th year
- 8.71%* (IRCC + 3.15 percentage points) variable interest rate
Credit in lei with no income in your BT account:
- 6.30% fixed introductory interest rate for the first 2 years, then 8.36%* (IRCC + 2.80 percentage points) variable interest rate starting in the third year
- 6.70% fixed introductory interest rate for the first 3 years, then 8.36%* (IRCC + 2.80 percentage points) variable interest rate starting in the 4th year
- 8.91%* (IRCC + 3.35 percentage points) variable interest rate
Credit in euro with the income collected into a BT account:
- 7.32%* (6-month EURIBOR + 4.75 percentage points) variable interest rate
Credit in euro with no income received into your BT account:
- 7.57%* (6-month EURIBOR + 5.00 pp) variable interest rate
- 7.56%* (IRCC + 2.00 percentage points) variable interest rate
In the case of variable interest rate loans/for the variable interest period in the case of introductory fixed rate loans in the first 2 or 3 years, the interest rate shall be composed of the bank's fixed margin plus the IRCC reference index and shall vary according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis in line with the IRCC monetary index. Fluctuations in the reference index may affect the monthly payment amount.
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 2 or 3 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 interest rate loans/for the variable interest period in the case of introductory fixed rate loans in the first 2 or 3 years, the interest rate shall be composed of the bank's fixed margin plus the IRCC reference index and shall vary according to the latter. The interest rate will be updated and modified by the bank on a quarterly basis in line with the IRCC monetary index. Fluctuations in the reference index may affect the monthly payment amount.
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 2 or 3 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.
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).
Fees and commissions
500 lei/100 euro
500 lei/100 euro
0 lei
500 lei/100 euro
500 lei/100 euro
0 lei
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
100 lei/service
100 lei/service
0 lei/service
100 lei/service
100 lei/service
0 lei/service
650 lei for an apartment/1,050 lei for a house, villa, land, and buildings.
650 lei for an apartment/1,050 lei for a house, villa, land, and buildings.
450 lei apartment, 700 lei house, land and buildings
650 lei for an apartment/1,050 lei for a house, villa, land, and buildings.
650 lei for an apartment/1,050 lei for a house, villa, land, and buildings.
450 lei apartment, 700 lei house, land and buildings
88,40 lei/guarantee
88,40 lei/guarantee
176,80 lei
88,40 lei/guarantee
88,40 lei/guarantee
176,80 lei
0 lei
0 lei
0 lei
0 lei
0 lei
0 lei
- 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
