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Lending period of up to 30 years

Grace period determined according to the loan period

Rescheduling/restructuring of loans

For the calculation of net income, all certain, permanent  incomes of the family to be received during the lending period  can be taken into account

The possibility to use the Internet Banking and/or Mobile Banking service for free during the first three months, to visualise the credit status (balance account, interest, instalments) but also for current operations (payments, deposits)
 

Loan destination:
- building houses personal property and purchase of the related land, if appropriate;
- rehabilitation or expanding the houses owned by the customers;
- purchase of houses personal property and the related land, if appropriate, and that are to be finished by loan.

Currency: LEI

Loan value: maximum LEI 2.800.000

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 30% 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.

Loan period: maximum 30 years

Drawing period: maximum 720 days, depending on the complexity of the work and the terms provided in the technical documentation

Grace period: maximum 360 days, depending on the loan period; In case the grace period is less or equal to the drawing period established in contract, it may be established by the loan contract a grace period equal to the drawing period in question, at which 30 days are added

Guarantees: real estate mortgages over the property. In completing the real estate mortgage over the property there may be admitted other guarantees, too, of those accepted by Bank.

Insurance against the disaster risks of the mortgage property is mandatory, being necessary before granting the loan

Age at the date established for the full repayment of the loan: maximum 75 years, including

Interest rate
- variable over the entire lending period

Credits subject to the provisions of Law 77/2016
6.06% (IRCC + 3.40 p.p.)

Credits not subject to the provisions of Law 77/2016
5.56% (IRCC + 2.90 p.p.)

The current IRCC index level taken into account is of 2.66% on the basis of the IIQ 2019 quotation published on September 30, 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.
- all costs (commissions, fees, other costs) to be paid in connection with the conclusion, publicity and / or registration of the credit agreement and its ancillary documents (guarantee contracts, including their extension/deregistration etc.), including notary fees;
- 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)