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LOANS for house
Lei
Lei/Euro
Lei
Lei
Lei/Euro
Lei
Up to 30 years old
Up to 30 years old
Up to 30 years old
Up to 30 years old
Up to 30 years old
Up to 30 years old
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 a property with energy class A.
Reduced interest on income collection in BT account.
State-guaranteed loan, proportional to the guarantee percentage, with a minimum advance of 5% and advantageous interest.
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 a property with energy class A.
Reduced interest on income collection in BT account.
State-guaranteed loan, proportional to the guarantee percentage, with a minimum advance of 5% and advantageous interest.
Purchasing a home with energy class A or refinancing from another bank a loan secured by real estate with energy class A.
Purchasing, building, completing or expanding a property or refinancing a loan from another bank, taken for one of the above purposes.
Purchasing a home.
Purchasing a home with energy class A or refinancing from another bank a loan secured by real estate with energy class A.
Purchasing, building, completing or expanding a property or refinancing a loan from another bank, taken for one of the above purposes.
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 down payment of 15% for loans in lei and a minimum of 20% for loans in euros.
* Declaration on own responsibility that you do not hold exclusively or together with your spouse any housing, or you hold exclusively or together with your spouse at most one housing unit, acquired by any means other than through the Nouă Casă program, with a usable area of less than 50 sqm. * The property must be classified in one of the energy efficiency classes A, B, or C. * You have a minimum down payment 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 at least 15% of the purchase price for new or consolidated housing, if the purchase price is between 70,001 EUR and up to 140,000 EUR (equivalent in lei). * You constitute a collateral deposit in favor of the bank equal to 3 interest installments validly locked 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 down payment of 15% for loans in lei and a minimum of 20% for loans in euros.
* Declaration on own responsibility that you do not hold exclusively or together with your spouse any housing, or you hold exclusively or together with your spouse at most one housing unit, acquired by any means other than through the Nouă Casă program, with a usable area of less than 50 sqm. * The property must be classified in one of the energy efficiency classes A, B, or C. * You have a minimum down payment 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 at least 15% of the purchase price for new or consolidated housing, if the purchase price is between 70,001 EUR and up to 140,000 EUR (equivalent in lei). * You constitute a collateral deposit in favor of the bank equal to 3 interest installments validly locked for the entire duration of the financing.
Permanent income (salaries, pensions, rents, dividends, other recurring income). You have the possibility to take the loan together with your husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law, the parents of the husband/wife as well as the life partner.
Permanent income (salaries, pensions, rents, dividends, other recurring income). You have the possibility to take the loan together with your husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law, the parents of the husband/wife 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 possibility to take the loan together with your husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law, the parents of the husband/wife as well as the life partner.
Permanent income (salaries, pensions, rents, dividends, other recurring income). You have the possibility to take the loan together with your husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law, the parents of the husband/wife 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:
- 5.05% fixed introductory interest rate in the first 3 years, and then 7.66%* (IRCC + 2.10pp) variable interest rate from year 4
- 5.35% introductory fixed interest rate in the first 5 years, then 7.76%* (IRCC + 2.20pp) variable interest from year 6
- 8,51%* (IRCC + 2.95pp) variable interest rate
Loan in lei without income collection in BT account:
- 6.70% introductory fixed interest in the first 3 years, then 8.36%* (IRCC + 2.80pp) variable interest from year 4
- 7.10% introductory fixed interest in the first 5 years, then 8.46%* (IRCC + 2.90pp) variable interest from year 6
- 8,51%* (IRCC + 2.95pp) variable interest
Credit in lei with income collection in BT account:
- 5.10% introductory fixed interest rate in the first 3 years, and then 7.66%* (IRCC + 2.10pp) variable interest rate from year 4
- 5.45% introductory fixed interest rate in the first 5 years, and then 7.76%* (IRCC + 2.20pp) variable interest from year 6
- 8,71%* (IRCC + 3.15pp) variable interest rate
Credit in lei without receiving the income into the BT account:
- 6.70% introductory fixed interest rate in the first 3 years, and then 8.36%* (IRCC + 2.80pp) variable interest from year 4
- 7.10% introductory fixed interest in the first 5 years, and then 8.46%* (IRCC + 2.90pp) variable interest from year 6
- 8,91%* (IRCC + 3.35pp) variable interest
Credit in euros with income collection in BT account:
- 7,32%* (EURIBOR6M + 4.75pp) variable interest
Credit in euros without collecting the income in the BT account:
- 7,57%* (EURIBOR6M + 5.00pp) variable interest
- 7,56%* (IRCC + 2.00pp) variable interest
Loan in lei with income collection in BT account:
- 5.05% fixed introductory interest rate in the first 3 years, and then 7.66%* (IRCC + 2.10pp) variable interest rate from year 4
- 5.35% introductory fixed interest rate in the first 5 years, then 7.76%* (IRCC + 2.20pp) variable interest from year 6
- 8,51%* (IRCC + 2.95pp) variable interest rate
Loan in lei without income collection in BT account:
- 6.70% introductory fixed interest in the first 3 years, then 8.36%* (IRCC + 2.80pp) variable interest from year 4
- 7.10% introductory fixed interest in the first 5 years, then 8.46%* (IRCC + 2.90pp) variable interest from year 6
- 8,51%* (IRCC + 2.95pp) variable interest
Credit in lei with income collection in BT account:
- 5.10% introductory fixed interest rate in the first 3 years, and then 7.66%* (IRCC + 2.10pp) variable interest rate from year 4
- 5.45% introductory fixed interest rate in the first 5 years, and then 7.76%* (IRCC + 2.20pp) variable interest from year 6
- 8,71%* (IRCC + 3.15pp) variable interest rate
Credit in lei without receiving the income into the BT account:
- 6.70% introductory fixed interest rate in the first 3 years, and then 8.36%* (IRCC + 2.80pp) variable interest from year 4
- 7.10% introductory fixed interest in the first 5 years, and then 8.46%* (IRCC + 2.90pp) variable interest from year 6
- 8,91%* (IRCC + 3.35pp) variable interest
Credit in euros with income collection in BT account:
- 7,32%* (EURIBOR6M + 4.75pp) variable interest
Credit in euros without collecting the income in the BT account:
- 7,57%* (EURIBOR6M + 5.00pp) variable interest
- 7,56%* (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 3 or 5 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, based on the IRCC monetary index. 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 3 or 5 years, the interest rate consists of the bank's fixed margin plus the IRCC reference index or 6-month EURIBOR 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 IRCC monetary indices or 6-month EURIBOR. Fluctuations in the reference indices and the exchange rate may affect the monthly payment amount.
In the case of loans with variable interest rates, it is composed of the bank's fixed margin plus the IRCC reference index and varies depending on the latter. The interest rate will be updated and changed by the bank quarterly, based 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 3 or 5 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, based on the IRCC monetary index. 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 3 or 5 years, the interest rate consists of the bank's fixed margin plus the IRCC reference index or 6-month EURIBOR 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 IRCC monetary indices or 6-month EURIBOR. Fluctuations in the reference indices and the exchange rate may affect the monthly payment amount.
In the case of loans with variable interest rates, it is composed of the bank's fixed margin plus the IRCC reference index and varies depending on the latter. The interest rate will be updated and changed by the bank quarterly, based 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 a minimum of 20% for loans in euros.
Minimum 5% of the purchase price, for all categories of housing in case the purchase price is up to 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 up to 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 a minimum of 20% for loans in euros.
Minimum 5% of the purchase price, for all categories of housing in case the purchase price is up to 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 up to 140,000 EUR (equivalent in lei).
Taxes and fees
500 lei/100 euros
500 lei/100 euros
0 lei
500 lei/100 euros
500 lei/100 euros
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 constructions
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 constructions
88.40 lei/warranty
88.40 lei/warranty
176.80 lei
88.40 lei/warranty
88.40 lei/warranty
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
