Mortgage Loan 

• Repayment of the loan can be made over as long as 30 years
• 10% downpayment for purchasing an apppartment or house
• Possibility to cumulate more incomes for a loan (maximum three incomes)
• Broad range of income sources accepted
• Protection during the loan period through the life insurance offered by the Bank free of charge
• Payment Holiday - possibility to postpone the payment of a loan installment
• Possibility to early repay, anytime, during the loan period

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

Mortgage Loan – aqusition

• Identity Document

• Loan application

• Inquiry Form

• Birth certificate” / ”marriage certificate” (In case of co-debtor, to prove the relationship)

• Utilitie bills from either domicile or residence address (can be ground line phone, electricity bill, cable invoice)

• Income Documents

• Ownership title of the real estate to be financed

• Copy of the seller’s Identity Document

• Land Book Decision of Registration

• Survey of the real estate

*DP = downpayment

Pre-contractual expenses related to loan file preparation: 900 RON, paid by the client from own resources, in 2 tranches: first tranche at applicaton date 400 RON and second tranche before signing credit contract 500 RON.

Analysis fee: 400 EUR / 1600 LEI

Administration fee: 0%

Servicing fee on client request: 150 RON/ request

Issuing address for total repayment of the loan: free of charge

See the General Fees and Commissions List