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LOANS for house
Lei
Lei/Euro
Lei
Lei
Lei/Euro
Lei
Until the age of 30
Until the age of 30
Until the age of 30
Until the age of 30
Until the age of 30
Until the age of 30
Reduced interest on income collection in the BT account for the purchase of a property with energy class A or refinancing from another bank of a loan secured by an energy class A property.
Reduced interest on income collection in BT account.
State guaranteed loan, proportional to the guarantee percentage, with a minimum down payment of 5% and advantageous interest rate.
Reduced interest on income collection in the BT account for the purchase of a property with energy class A or refinancing from another bank of a loan secured by an energy class A property.
Reduced interest on income collection in BT account.
State guaranteed loan, proportional to the guarantee percentage, with a minimum down payment of 5% and advantageous interest rate.
Purchasing a home with energy class A or refinancing from another bank a loan secured by property with energy class A.
Acquisition, construction, completion or extension of a building or for refinancing a loan from another bank, taken for one of the destinations above.
Purchasing a home.
Purchasing a home with energy class A or refinancing from another bank a loan secured by property with energy class A.
Acquisition, construction, completion or extension of a building or for refinancing a loan from another bank, taken for one of the destinations above.
Purchasing a home.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior. The property must have an energy performance certificate class A. You have a minimum down payment of 15% for loans in lei.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior. You have a minimum advance payment of 15% for loans in lei and a minimum of 20% for loans in euros.
- Affidavit on own responsibility that you do not own exclusively or together with your spouse any dwelling, or that you own exclusively or together with your spouse at most one dwelling, acquired by any means other than the Nouă Casă program, with a usable area of less than 50 sqm.
- The building must be classified in one of the energy efficiency classes A, B or C.
- You have a minimum advance of 5% of the purchase price for all categories of housing if the purchase price is up to 70,000 EUR (equivalent in lei) or a minimum of 15% of the purchase price for new or consolidated housing if the purchase price is between 70,001 EUR and a maximum of 140,000 EUR (equivalent in lei).
- Constitute a collateral deposit in favor of the bank in an amount equal to 3 interest installments validly unavailable for the entire duration of the financing.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior. The property must have an energy performance certificate class A. You have a minimum down payment of 15% for loans in lei.
You have no arrears on other loans, you have Romanian citizenship and a good payment behavior. You have a minimum advance payment of 15% for loans in lei and a minimum of 20% for loans in euros.
- Affidavit on own responsibility that you do not own exclusively or together with your spouse any dwelling, or that you own exclusively or together with your spouse at most one dwelling, acquired by any means other than the Nouă Casă program, with a usable area of less than 50 sqm.
- The building must be classified in one of the energy efficiency classes A, B or C.
- You have a minimum advance of 5% of the purchase price for all categories of housing if the purchase price is up to 70,000 EUR (equivalent in lei) or a minimum of 15% of the purchase price for new or consolidated housing if the purchase price is between 70,001 EUR and a maximum of 140,000 EUR (equivalent in lei).
- Constitute a collateral deposit in favor of the bank in an amount equal to 3 interest installments validly unavailable for the entire duration of the financing.
Permanent income (salaries, pensions, rents, dividends, other recurring income). You have the option to take the loan together with your husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law, the husband’s/wife’s parents as well as the life partner.
Permanent income (salaries, pensions, rents, dividends, other recurring income). You have the option to take the loan together with your husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law, the husband’s/wife’s parents as well as the life partner.
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes). You have the possibility to take the loan together with your husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law, parents of the husband/wife.
Permanent income (salaries, pensions, rents, dividends, other recurring income). You have the option to take the loan together with your husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law, the husband’s/wife’s parents as well as the life partner.
Permanent income (salaries, pensions, rents, dividends, other recurring income). You have the option to take the loan together with your husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law, the husband’s/wife’s parents as well as the life partner.
Permanent incomes (salaries, pensions, rents, dividends, other recurring incomes). You have the possibility to take the loan together with your husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law, parents of the husband/wife.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Minimum 3 months if you are not at the first employer or minimum 6 months if you are at the first employer.
Loan in lei with income collection in BT account:
- 4.99% fixed introductory interest rate in the first 2 years, and then 7.57%* (IRCC + 1.99pp) variable interest rate from year 3
- 5.15% introductory fixed interest rate in the first 3 years, then 7.68%* (IRCC + 2.10pp) variable interest rate from year 4
- 8,53%* (IRCC + 2.95pp) variable interest rate
Loan in lei without receiving the income in the BT account:
- 6.30% fixed introductory interest rate in the first 2 years, then 8.38%* (IRCC + 2.80pp) variable interest from year 3
- 6.70% introductory fixed interest rate in the first 3 years, then 8.38%* (IRCC + 2.80pp) variable interest rate from year 4
- 8,53%* (IRCC + 2.95pp) variable interest rate
Loan in lei with income collection in BT account:
- 5.09% introductory fixed interest rate in the first 2 years, then 7.57%* (IRCC + 1.99pp) variable interest rate from year 3
- 5.20% introductory fixed interest in the first 3 years, then 7.68%* (IRCC + 2.10pp) variable interest rate from year 4
- 8,73%* (IRCC + 3.15pp) variable interest rate
Loan in lei without receiving the income in the BT account:
- 6.30% introductory fixed interest rate in the first 2 years, then 8.38%* (IRCC + 2.80pp) variable interest from year 3
- 6.70% introductory fixed interest in the first 3 years, then 8.38%* (IRCC + 2.80pp) variable interest rate from year 4
- 8,93%* (IRCC + 3.35pp) variable interest rate
Credit in euros with income collection in BT account:
- 7,23%* (EURIBOR6M + 4.75pp) variable interest
Credit in euro without collecting income in BT account:
- 7,48%* (EURIBOR6M + 5.00pp) variable interest
- 7,58%* (IRCC + 2.00pp) variable interest
Loan in lei with income collection in BT account:
- 4.99% fixed introductory interest rate in the first 2 years, and then 7.57%* (IRCC + 1.99pp) variable interest rate from year 3
- 5.15% introductory fixed interest rate in the first 3 years, then 7.68%* (IRCC + 2.10pp) variable interest rate from year 4
- 8,53%* (IRCC + 2.95pp) variable interest rate
Loan in lei without receiving the income in the BT account:
- 6.30% fixed introductory interest rate in the first 2 years, then 8.38%* (IRCC + 2.80pp) variable interest from year 3
- 6.70% introductory fixed interest rate in the first 3 years, then 8.38%* (IRCC + 2.80pp) variable interest rate from year 4
- 8,53%* (IRCC + 2.95pp) variable interest rate
Loan in lei with income collection in BT account:
- 5.09% introductory fixed interest rate in the first 2 years, then 7.57%* (IRCC + 1.99pp) variable interest rate from year 3
- 5.20% introductory fixed interest in the first 3 years, then 7.68%* (IRCC + 2.10pp) variable interest rate from year 4
- 8,73%* (IRCC + 3.15pp) variable interest rate
Loan in lei without receiving the income in the BT account:
- 6.30% introductory fixed interest rate in the first 2 years, then 8.38%* (IRCC + 2.80pp) variable interest from year 3
- 6.70% introductory fixed interest in the first 3 years, then 8.38%* (IRCC + 2.80pp) variable interest rate from year 4
- 8,93%* (IRCC + 3.35pp) variable interest rate
Credit in euros with income collection in BT account:
- 7,23%* (EURIBOR6M + 4.75pp) variable interest
Credit in euro without collecting income in BT account:
- 7,48%* (EURIBOR6M + 5.00pp) variable interest
- 7,58%* (IRCC + 2.00pp) variable interest
In the case of loans with variable interest/for the period of application of variable interest in the case of loans with introductory fixed interest in the first 2 or 3 years, the interest rate consists 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 quarterly, according to the monetary index IRCC. Fluctuations in the reference index may affect the monthly payment amount.
In the case of loans with variable interest/for the period of application of variable interest in the case of loans with introductory fixed interest in the first 2 or 3 years, the interest rate is made up of the bank's fixed margin plus the IRCC or 6-month EURIBOR reference index and varies depending on the evolution of the reference indices. The interest will be updated and modified by the bank quarterly, depending on the evolution of the monetary indices IRCC or 6-month EURIBOR. Fluctuations in the reference indices and the exchange rate can affect the monthly payment amount.
In the case of loans with variable interest rates, it consists 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 quarterly, depending on the IRCC monetary index.
In the case of loans with variable interest/for the period of application of variable interest in the case of loans with introductory fixed interest in the first 2 or 3 years, the interest rate consists 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 quarterly, according to the monetary index IRCC. Fluctuations in the reference index may affect the monthly payment amount.
In the case of loans with variable interest/for the period of application of variable interest in the case of loans with introductory fixed interest in the first 2 or 3 years, the interest rate is made up of the bank's fixed margin plus the IRCC or 6-month EURIBOR reference index and varies depending on the evolution of the reference indices. The interest will be updated and modified by the bank quarterly, depending on the evolution of the monetary indices IRCC or 6-month EURIBOR. Fluctuations in the reference indices and the exchange rate can affect the monthly payment amount.
In the case of loans with variable interest rates, it consists 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 quarterly, depending on the IRCC monetary index.
You have an advance of at least 15% for loans in lei.
You have a minimum down payment of 15% for loans in lei or at least 20% for loans in euros.
Minimum 5% of the purchase price, for all categories of housing in case the purchase price is a maximum of 70,000 EUR (equivalent in lei) or minimum 15% of the purchase price, for new or consolidated housing, in case the purchase price is between 70,001 EUR and a maximum of 140,000 EUR (equivalent in lei).
You have an advance of at least 15% for loans in lei.
You have a minimum down payment of 15% for loans in lei or at least 20% for loans in euros.
Minimum 5% of the purchase price, for all categories of housing in case the purchase price is a maximum of 70,000 EUR (equivalent in lei) or minimum 15% of the purchase price, for new or consolidated housing, in case the purchase price is between 70,001 EUR and a maximum of 140,000 EUR (equivalent in lei).
Taxes 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 guarantee balance as of December 31 of the year preceding the payment year and is owed to FNGCIMM
150 lei/year
150 lei/year
0.15%/year calculated on the guarantee balance as of December 31 of the year preceding the payment year and is owed to FNGCIMM
100 lei/service
100 lei/service
0 lei/service
100 lei/service
100 lei/service
0 lei/service
650 lei for apartment/1,050 lei for house, villa, land and buildings.
650 lei for apartment/1,050 lei for house, villa, land and buildings.
450 lei apartment, 700 lei house, land and buildings
650 lei for apartment/1,050 lei for house, villa, land and buildings.
650 lei for apartment/1,050 lei for 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 year of the value of the property brought as collateral in case of concluding the optional Groupama policy exclusively in BT units
- 130 lei per year in the case of the PAD policy
- 0.12% per year of the value of the property brought as collateral in case of concluding the optional Groupama policy exclusively in BT units
- 130 lei per year in the case of the PAD policy
- 0.12% per year of the value of the property brought as collateral in case of concluding the optional Groupama policy exclusively in BT units
- 130 lei per year in the case of the PAD policy
- 0.12% per year of the value of the property brought as collateral in case of concluding the optional Groupama policy exclusively in BT units
- 130 lei per year in the case of the PAD policy
- 0.12% per year of the value of the property brought as collateral in case of concluding the optional Groupama policy exclusively in BT units
- 130 lei per year in the case of the PAD policy
- 0.12% per year of the value of the property brought as collateral in case of concluding the optional Groupama policy exclusively in BT units
- 130 lei per year in the case of the PAD policy
