Habitat Loan
1. How much would you like to borrow? LEI
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45000

2400000

2. Over how many months do you want to pay the loan?

3. I want to collect my income into a BRD account

4. Upfront payment

5. The EPC for the real estate brought under warranty

6. Repayment methods

First rate

0 LEI

Total payment amount

0 LEI

DAE

0 %

Interest rate

0

See due date

Pasi

ACQUIRE LOAN IN
5 SIMPLE STEPS

01

Choose the one that suits you best

You can opt for fixed interest in the first 3 years of credit and variable thereafter, or for fixed or variable interest throughout the entire credit period. Calculate the rate HERE. If you already have a mortgage loan from another bank, but want to pay less, see the refinancing offer: You have fixed interest in the first 3 years of 4.65% and subsequently variable IRCC + 2.10% when you bring an advance of at least 20% and opt for income collection in the BRD account

02

Pre-approval
loan

if you have not found the property you want, you can obtain pre-approval of the loan, valid for 90 days based on your income documents.

03

Find your
perfect home

You can use the guarantee account to pay the advance of the pre-contract (Escrow account). This ensures that you can recover your advance without any problems if necessary.

04

Final approval

After finding the building, you bring the property documents to the bank for the assessment of the building and obtaining the legal opinion. If all is well, you receive the final approval of the loan.

05

Contract signing

After finding the building, you bring the property documents to the bank for the assessment of the building and obtaining the legal opinion. If all is well, you receive the final approval of the loan.

All good things come with the right loan

Advantageous interest rates

For the financing of properties classified in Energy Efficiency Class A, you benefit from a fixed interest rate of 4.65% for the first 3 years, followed by a variable rate of IRCC + 2.10%, when you make a down payment of at least 20% and choose to have your income credited to a BRD account. 

If you already have a loan with another bank and want to reduce your payments, explore the refinancing offer: a fixed interest rate of 4.65% for the first 3 years, then a variable rate of IRCC + 2.10%

Free evaluation

you benefit from the free real estate appraisal, when the appraisal is performed by a bank-approved appraiser.

Additional amount

You can access an additional amount of maximum 20% of the value of the loan, to cover some expenses related to the real estate investment (notarial expenses, the valuation, the modernization of the house purchased from the loan).

Minimum down payment 15%

If you are buying your first home, a down payment of at least 20% brings you better interest rates

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Beneficii

WE TELL YOU EVERYTHING YOU NEED TO KNOW

Revenue accepted

A wide range of incomes is accepted: salaries, pensions, dividends, royalties, rents, incomes from independent activities. You can get a larger amount if you also bring the maximum of 3 co-borrowers

Without income proof, if you are employed and have the income registered with ANAF. In case the information recovered from ANAF is incomplete / not recorded, we will ask you for supporting documents of income. Income statement template

You are safe throughout the entire loan period by completing life insurance that gives you and your family protection in the event of unforeseen events (total and permanent disability due to accident or death due to any cause). The policy is compulsory and ends when the loan agreement is signed, for the entire loan period.

In addition, it is necessary to conclude a home insurance policy/policies for collateral/collaterals. This insurance can be issued with BRD Asigurari Generale or other Insurer, depends of your options.

BRD Asigurari Generale offers to the clients various types of home insurances:
-Mandatory home insurance (PAD)
-Optional home insurance (fire and other calamities)

Additional, clients who contract optional insurance can attach 2 new types of insurances:
-Additional insurance for goods inside the house
-Civil liability

PID document home insurance-assets

download

PID document home insurance-civil liability

download

PID document home insurance

download

LID document life insurance

download

Fees and Commissions

Habitat Loan RON Presentation

Habitat Loan EUR Presentation

HOME. THE PLACE IN WHICH YOU CAN BE WHO YOU WANT TO BE, ANY TIME.

HOME. THE PLACE IN WHICH YOU CAN BE WHO YOU WANT TO BE, ANY TIME.

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Representative example valid as of 24.04.2026, calculated for financing a home through a Green Habitat Loan, amounting to 330,000 RON, granted with a minimum down payment of 20%, over 30 years and repaid in 360 equal monthly instalments, for a borrower with a minimum monthly income of 12,000 RON: fixed interest rate of 4.65% per year for the first 3 years, followed by a variable rate of 2.10% + IRCC*, APR 7.54%. The amount of the first monthly instalment is 1,810.50 RON, and the total amount payable is 832,955.84 RON (may decrease as a result of early repayments), which includes a loan application analysis fee of 900 RON, monthly administration fee for the current account associated with the loan of 0 RON (cost valid for as long as a package of products and services is held), and mandatory life insurance of 0.033% per month applied to the outstanding loan balance (if you choose the insurance distributed by BRD, acting as an affiliated agent of BRD Life Insurance).

Representative example valid as of 24.04.2026, calculated for financing a home through a Green Habitat Loan, amounting to 330,000 RON, granted with a minimum down payment of 20%, over 30 years and repaid in 360 equal monthly instalments, for a borrower with a monthly income below 12,000 RON: fixed interest rate of 4.85% per year for the first 3 years, followed by a variable rate of 2.10% + IRCC*, APR 7.60%. The amount of the first monthly instalment is 1,850.28 RON, and the total amount payable is 835,711.25 RON (may decrease as a result of early repayments), which includes a loan application analysis fee of 900 RON, monthly administration fee for the current account associated with the loan of 0 RON (cost valid for as long as a package of products and services is held), and mandatory life insurance of 0.033% per month applied to the outstanding loan balance (if you choose the insurance distributed by BRD, acting as an affiliated agent of BRD Life Insurance).

The property appraisal cost for the collateral is 0 RON if the appraiser is appointed by the bank. The property insurance (mandatory) depends on its value. The loan is secured by a mortgage on the property. If you give up the package of products and services, the monthly current account administration fee becomes 8 RON. Details regarding product and service packages can be found at: https://www.brd.ro/persoane-fizice/carduri-si-conturi/operatiuni-curente/carduri-de-zi-cu-zi

* The annual interest is composed of the margin + IRCC. IRCC valid from 01.04.2026 to 30.06.2026 is 5.58%.

Before making the decision to borrow, analyze the characteristics and implications of the loan. Make sure you understand the risks associated with credit agreements, mainly regarding the fluctuation of your income, the variation of benchmarks, in the case of loans with variable interest or the currency risk, if the income obtained is in a currency other than the of the credit. The consequences of non-repayment can be reporting to the Credit Bureau and the Credit Risk Center, as well as the initiation of recovery procedures

Commissions and interest