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Habitat Loan

CALCULATE YOUR IDEAL LIVING SITUATION

1. How much would you like to borrow? LEI

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

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

4. I want to refinance loans from other banks

First rate

0 LEI

Total payment amount

0 LEI

DAE

0 %

Interest rate

0

More loan details

See due date

Payment methods

Grace period

All good things come with the right loan

Fixed interest

you can opt for fixed interest for 30 years

Financial approval

you benefit from a 90-day financial pre-approval, so you have time to find the right home

Safety

you can recover, if necessary, the advance paid to the seller, through the escrow guarantee account (optional and free service)

Free evaluation

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

Preferential costs

you benefit of preferential fees if you choose to collect your income into a BRD account

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).

WE TELL YOU EVERYTHING YOU NEED TO KNOW

The Habitat loan is a mortgage-real estate loan for the purchase, construction, renovation, modernization of the building, guaranteed with a real estate mortgage.

  • Currency: RON;
  • Lending period: maximum 360 months;
  • Interest rate - you can choose between fixed or variable interest for the whole period, or fixed interest for the first 5 years, followed by variable interest; ;
  • Advance of 15%;
  • The maximum amount depends on the value of the building (s) you choose to bring under warranty in the collateral;
  • You can opt for a period of partial grace, during which time no capital is paid, up to 12 months in the case of construction loans and 6 months in the case of completion / extension / modernization / rehabilitation / home consolidation;
  • The loan can be mortgage or real estate: you can guarantee the building you want to buy, build or another building.
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 (unemployment, incapacity for work, total disability or death). The policy is compulsory and ends when the credit agreement is signed, for the entire loan period. In addition, it is necessary to conclude an insurance for the building (s) under warranty (PAD + optional insurance)

Commissions and interest

Representative example for a loan secured with real estate mortgage worth 220,000 lei, granted for 30 years with the collection of income in the BRD account, the 30-year fixed interest rate is 7.75%, DAE 8.68%, number of monthly installments: 360, value the first monthly rate of 1,675 lei, subsequently describes, the total amount payable: 593,767 lei (may be deducted as a result of advance repayments), which includes file analysis fee 650 lei, monthly management fee current account associated with credit 4.2 lei, life insurance 0.045% per month, charged to the credit balance. The cost with the evaluation is 0 lei if the evaluator is appointed by the bank. The insurance of real estate (obligatory) depends on its value. In case the income is not collected in the BRD account the interest rate is 8.16% per year.

Before making the decision to borrow, consider the characteristics and implications of the loan. Make sure you understand the risks associated with the credit agreements, mainly regarding the fluctuation of your income or the variation of the reference indices, in the case of variable interest loans.

ACQUIRE CREDIT IN
4 SIMPLE STEPS

01

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.

02

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.

03

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.

04

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.

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.

HAVE YOU DECIDED?

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Representative example for a loan secured with real estate mortgage worth 220,000 lei, granted for 30 years with the collection of income in the BRD account, the 30-year fixed interest rate is 7.75%, DAE 8.68%, number of monthly installments: 360, value the first monthly rate of 1,675 lei, subsequently describes, the total amount payable: 593,767 lei (may be deducted as a result of advance repayments), which includes file analysis fee 650 lei, monthly management fee current account associated with credit 4.2 lei, life insurance 0.045% per month, charged to the credit balance. The cost with the evaluation is 0 lei if the evaluator is appointed by the bank. The insurance of real estate (obligatory) depends on its value. In case the income is not collected in the BRD account the interest rate is 8.16% per year.

Before making the decision to borrow, analyze the characteristics and implications of the loan. Make sure you understand the risks associated with the credit agreements, mainly regarding the fluctuation of your income or the variation of the reference indices, in the case of variable interest loans. The consequences of non-repayment may be the reporting to the Credit Bureau and the Banking Risk Center, as well as triggering the recovery procedures.

Commissions and interest

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