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Crediting period up to 35 years

Advantageous grace period up to 360 days, determined depending on the crediting period

Rescheduling of the loans

When calculating the net income there can be taken into account all the certain incomes with permanent character throughout the whole crediting period, of the family

The usage possibility of the Internet Banking and/or Mobile Banking service free for the first 3 months, to view the loan situation (balance, interests, instalments) but also for current operations (payments, deposits)

Loan destination: construction of houses on ANL locations

Currency: LEI

Value of the loan: maximum 2.800.000 lei/700.000 euro, established depending on the value of the mortgage.

Maxim value of the loan is established depending on the reimbursement capacity of each customer.

Own contribution:
As far as concerns the loans with at least one immovable property having destination as housing:
- for loans worth more than 250.000 Euro, equivalent in lei: minimum 15% of the value evidenced in the documents that show the destination of the requested loan;
- for loans worth up to 250.000 Euro, equivalent in Lei, including: minimum 15% of the value evidenced in the documents that show the destination of the requested loan.

For the loans guaranteed with other types of immovable properties: minimum 15% of the value evidenced in the documents that show the destination of the requested loan.

Crediting period: maximum 35 years

Drawing period: maximum 720 days

Grace period: maximum 360 days, depending on the crediting period

Guarantees: real estate mortgage on the building and/or the land on which it is to be raised a construction that is the subject of a real estate investment for which the loan is granted

Insurance: The insurance policy of the mortgaged construction can be concluded by customer with any insurance reinsurance company, and the insurance must cover all the risks related to the construction. The insurance policy is concluded before granting the loan.

The age at the established date for the whole reimbursement of the loans: maximum 75 years, including

Interest rate
- variable over the entire lending period

Credits subject to the provisions of Law 77/2016
5.36% (IRCC + 3.00 p.p.)

Credits not subject to the provisions of Law 77/2016
4.36% (IRCC + 2.00 p.p.)

The current IRCC index level taken into account is of 2.36% on the basis of the IVQ 2018 quotation published on May 2, 2019 on the National Bank of Romania website.

Interest changes quarterly on January 1, April 1, July 1, and October 1 of the year, or on the first business day immediately following the first day of the quarter, if the first of the quarter is a non-working day, in accordance with the provisions Emergency Ordinance no. 19/2019 for amending and supplementing some normative acts. The Index is published quarterly by the National Bank of Romania on the Institution's website and is calculated in accordance with the Rules on the calculation and publication of the daily index and of the quarterly reference index regulated by GEO 19/2019.

Commissions
File analysis fee: 500 lei
Early repayment fee: 0
Credit management fee: 0.04%, applicable on a monthly basis to the current credit balance

Other cost items not included in the DAE calculation, respectively:
- single commission for services rendered at the client's request, in connection with the development of the loan;
- registration/ extension / modification (as the case may be) and cancellation of the movable security on present and future credit balances of current accounts of client / codebtor and of debit card accounts of the client at the Electronic Archive for Security Interests in Movable Property;
- the amounts representing the insurance premiums for general risk insurance policies in accordance with the value of the assets accepted under guarantee for which such policies are concluded and / or the premium share PAD, taking into account that the Bank does not require the conclusion of insurance policies with a particular provider of such services;
- amounts related to the valuation of immovable / movable property admitted under guarantee, unless the valuation is carried out by the Bank's internal valuers.

Loans interests (.pdf)

Loan fees (.pdf)

Examples of calculation - Standard Products (.pdf)