Prima Casă Loan 

  • Purchase your first house with Millennium Bank!
 

Features

Loan amount: between EUR 5.000 and EUR 57.000 for finalised real estates or EUR 66.500 for new real estates to be acquired after finalisation*

Currency: EUR

Tenor: between 3 and 30 years

Down payment:

Purchase of a house/apartment:

- minimum 5%  if the value of the transaction is less then  EUR 60.000 for finalised real estates or  EUR 70.000 for new real estates

- in case the transaction amount is higher then EUR 60.000 for finalised real estates or EUR 70.000 EUR for new real estates, the down payment will be the difference between the transaction value and maximum amount of the loan.

* new real estates represent finilised reals estates with a building permit released after 22.02.2010

Co-borrowers: maximum 2 co-borrowers allowed (spouse/ parents/ parents-in-law/ children/ sisters/ brothers)

Income sources accepted: salary, bonuses, sales commissions, board incentives and censors, author rights, rents, dividends, income from freelancer activities, income from abroad, daily allowances, daily allowances sailors

If you need money contact our specialized Loan Advisor in the nearest Millennium Bank branch or call at 0 801 000 111.

Benefits

  • Repayment of the loan can be made over as long as 30 years
  • Only 5% down payment
  • Possibility to cumulate more incomes for a loan (maximum three incomes)
  • Broad range of income sources accepted
  • Possibility to early repay, anytime during the loan period, free of charge
  • No arrangement fee
  • Evaluation fee paid by the bank 
  • Any changes / additions to the credit contract will be agreed by both parties, trough an addendum to the Credit Contract

 

Linked to those loans you can benefit of additional products such as:

  • Current Account for FX and repayment in RON for FCY loans
  • Debit Card for ATM deposits, payments, access to Discount Program on POS
  • Internet Banking for free non-stop access, repayment schedule view and account balance interogation
  • Credit Card easy to obtain with three wages, grace period and discounts up to 30%
  • Term Deposit or Saving Account to keep and use the available amounts wisely
  • Real Estate/Life/Travel Insurance for unexpected events

Required Documents

Prima Casă

  • Identity Document

  • Loan application

  • Inquiry Form

  • Birth certificate” / ”marriage certificate” (In case of co-debtor, to prove the relationship)
  • Utilities bills from either domicile or residence address (can be ground line phone, electricity bill, cable invoice)
  • Income Documents
  • Property documents of the real estate to be financed
  • Copy of the seller’s Identity Document
  • Sale-purchase pre-contract
  • Land Book Decision of Registration
  • Survey of the real estate
  • Statement on its own responsibility in authentic form
  • certificate of energy efficiency (A,B or C class)
  • Property insurance certificate

Fees & Commissions

Analysis Fee: 0 RON

Arrangement Fee: 0% of the loan amount

EUR

Variable Interest Rate

Euribor3M+4%

Administration Fee

0%

Administration Fee due to FNGCIMM (annually)

0,49%

Early Repayments Fee

 0%
 

Costs for current account – according with  "Fees and Commissions Current Account & Transactions list - individuals", as it can be changed periodically according to the General Banking Conditions.

 

Call Center

0 801 000 111
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*2111
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021 308 1110
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