Calculation of net income may include all stable incomes of family members that must be permanent throughout the lending period
The option to use the electronic Internet Banking and/or Mobile Banking Service free of charge, during the first 3 months, to view the loan status (balance, interests, installments) but also to perform current operations (payments, deposits)
Loan value: maximum LEI 2.800.000
Value of the loan does not have to exceed the value of the house which is to be sold, existing in the property of the customer (and of the related land, if appropriate), which is determined by the assessment operation
Own contribution: it is not mandatory
Loan period: maximum 12 months
Drawing period: maximum 30 days
Grace period: maximum 60 days
Guarantees: real estate mortgage over the property – the construction and/or the land whom there is or it is to be raised a construction, that is the object of the investment property for which the loan is granted. In completing the real estate mortgage 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
Loan repayment: there is one final maturity, namely it is paid, at the end of the repayment period, the whole value of the obtained loan; during the loan repayment period it is paid only the loan interest
Age at the date established for the full repayment of the loan: maximum 75 years, including
- variable throughout the lending period
Loans that are subject of Law 77/2016
Standard/no credit card: 4.77% (ROBOR 6M + 2.50 p.p.)
Along with credit card: 4.67% (ROBOR 6M + 2.40 p.p.)
Loans that are not subject of Law 77/2016
Standard/no credit card: 4.42% (ROBOR 6M + 2.15 p.p.)
Along with credit card: 4.17% (ROBOR 6M + 1.90 p.p.)
The currently considered ROBOR 6M interest level is 2.27%, valid on 3 January 2018.
The ROBOR 6M interest rate varies each semester, on 1st January and 1st July of the year or in the first working day next to the day of first of the semester, if such date is a non-working day, according to quotation displayed by NBR
The valid value of the indices at the modification date is published by the related regulatory organization, two working days prior.
File analysis fee: 500 lei
Early reimbursement fee: 0
Loan management fee: 0.04% applied monthly at the loan balance
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;
- all the costs (taxes, fees, other costs) that are to be paid about concluding, advertisement and/or registration of the loan contract and of the ancillary documents (guarantee contracts, including their extension/cancellation etc.), including the notary fees;
- 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.