Refinancing Loan

Find out how you can have a lower installment and how you can obtain an additional amount for your personal needs.

Features

We offer you the following solutions:

Mortgage Loan – you can refinanace your mortgage loan in order to have a lower installment
Cash loan with mortgage – you can refinance any type of loan in order to have only one monthly installment
Cash loan with mortgage for refinancing – you can refinance a mortgage loan and obtain an additional amount for personal needs

Refinancing Calculator

Benefits

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 - once a year, one installment payment can be suspended

Preapproved credit card without supplementary documents, based on the same application

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 interrogation
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

Identity Document
Loan application
Inquiry Form
Birth certificate” / ”marriage certificate” (In case of co-debtor, to prove the relationship)
Utilities invoice from either domicile or residence address (can be gas, ground linephone, electricity and cable invoice).
Income Documents
Ownership Title of the real estate to be mortgaged
Land Book Decision of Registration
Survey documentation

Fees & Commissions

Mortgage Loan	with monthly income transfer		without monthly income transfer
Variable Interest Rate	DP* >=40%	DP* <40%	DP* >40%	DP* <40%
LEI	Robor 6M+3,25%	Robor 6M+3,75%	Robor 6M+3,75%	Robor 6M+6,25%
EUR	Euribor 6M+5,25%	Euribor 6M+5,75%	Euribor 6M+5,75%	Euribor 6M+6,25%

Cash Loan with Mortgage	with monthly income transfer		without monthly income transfer
Variable Interest Rate	% financed <=40%	% financed >40%	% financed <=40%	% financed >40%
LEI	Robor 6M+4,25%	Robor 6M+4,75%	Robor 6M+4,75%	Robor 6M+5,25%
EUR	Euribor 6M+6%	Euribor 6M+6,5%	Euribor 6M+6,5%	Euribor 6M+7%

Cash Loan with Mortgage for Refinancing	with monthly income transfer		without monthly income transfer
Variable Interest Rate	% financed <=40%	% financed>40%	% financed <=40%	% financed >40%
LEI	Robor 6M+5,5%	Robor 6M+6%	Robor 6M+6%	Robor 6M+6,5%
EUR	Euribor 6M+5,5%	Euribor 6M+6%	Euribor 6M+6%	Euribor 6M+6,5%

DP* - downpayment

For Mortgage Loan and Cash Loan with mortgage for Refinancing, Pre-contractual expenses related to loan file preparation: 900 RON, paid by the client from own resources before signing the credit contract.

For Cash Loan with Mortgage, 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 the credit contract 500 RON.

For Mortgage Loan: Analysis fee EUR 400 / 1600 LEI and for Cash loan with mortgage: Analysis fee EUR 500 / 2000 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

Access Accounts

Identification code

Demo

Call Center

021 308 1110

From all networks

*2111

From Orange & Vodafone

0 801 000 111
From Romtelecom network

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