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At the request of customers, the Bank may grant loans in euro only in case they turn out getting revenue in euros.

Lending term of up to 35 years

Grace period established according to the length of the lending term

Option to reschedule the loan maturities/installments

Option to purchase also houses under forced execution procedure initiated by CEC Bank or by other credit institutions, without evaluation 

When calculating the net income, all the permanent and certain incomes of the family for the entire lending terms can be taken into consideration

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 destination: purchase of the houses personal property and of the related land, if appropriate

Currency: EURO

Loan value: maximum EURO 700.000

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 35 years

Drawing period: maximum 30 days

Grace period: maximum 360 days, depending on the loan period.

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

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

Interest: 
- variable

Loans that are subject of Law 77/2016
7.73% (EURIBOR 6M + 8.00 p.p.)

Loans that are not subject of Law 77/2016
5.73% (EURIBOR 6M + 6.00 p.p.)

The currently considered EURIBOR 6M interest level is -0.27%, valid on 2 July 2018.

The EURIBOR 6M interest rate level varies each semester on the 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.

The valid value of the indices at the modification date is published by the related regulatory organization, two working days prior.

Fees:
Loan file analysis fee: euro 150 
Early reimbursement fee: 0
Loan management fee monthly applicable to the current loan balance:  
- 0.04%, including in case of loan intended to purchase houses under forced execution procedure initiated by other credit institutions; 
- 0.03%, in case of loan intended to purchase houses under forced execution procedure initiated by CEC Bank.

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.

The possible fluctuations of the exchange rate which may affect the amount to be paid, in case of contracting a loan in EURO, meaning its increase, can lead to impair your possibility of payment.

Loans interests (.pdf)

Loan fees (.pdf)

Examples of calculation - Standard Products (.pdf)