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
- variable during the whole crediting period

Loans that are subject of Law 77/2016
4.46% (ROBOR 3M + 3.00 p.p.)

Loans that are not subject of Law 77/2016
3.46% (ROBOR 3M + 2.00 p.p.)

The currently considered ROBOR 3M interest level is 1.46%, valid on 2 October 2017.

The level of the ROBOR 3M interest is changed quarterly on January 1st, April 1st, July 1st and October 1st of the year or in the first business day immediately following the first day of the quarter, if the first date of the quarter is not business day.

The available value of indices at the change date is the one published by the related organization of regulation, with two days previously.

Commissions
File analyze commission: lei 500
Anticipated reimbursement commission: 0
Loan management commission, monthly applicable to current balance: 0,04%

Other cost elements that are not taken into account of DAE, respectively:
- sole commission for services performed at the customer’s request related to the deployment of the loan;
- registration/extension/modification (by case) and cancellation of the pledge on the present and future credit balances of the current accounts of the customers/co-debtors and of the customer’s debit card accounts at the Electronic Archive of Security Interests;
- the amounts representing the insurance premiums related to the insurance policies for general risks, related to the value of the assets accepted as collateral, for which there are concluded such policies and/or PAD (Effective Annual Interest Rate) premium quote, given that the Bank does not impose the concluding of the insurance premiums with a certain provider of such services;
- the amounts related to the evaluation of the movable/immovable assets accepted as collateral, except for the evaluation that is performed by the internal evaluators of the Bank.

Loans interests (.pdf)

Loan fees (.pdf)

Examples of calculation - Standard Products (.pdf)