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is an online cultural publication that shapes the portrait of the new generation of creators
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is an editorial project dedicated to the pre-university education created by DoR and BRD
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Economic development is no longer possible without environmental and social progress. It is our responsibility to propose business models that encourage the positive transformation of the world.
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Community involvement is designed to build sustainable intervention mechanisms so that children and young people in difficult situations can develop their skills
Lumea 9
We develop and finance projects, companies and businesses for today’s and tomorrow’s world. For a brave world, that places at its core the care for the planet and the people.
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Safekeeping, registering, monitoring and controlling the applications for subscription or redemption of fund units.
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The remote banking service provides you with information on your bank accounts directly from your mobile phone.
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The remote banking service provides you with information on your bank accounts directly from your mobile phone.
Find out more »Safekeeping, registering, monitoring and controlling the applications for subscription or redemption of fund units.
Find out more »Distribution of fund units, dividends and bond payments. Group distribution services within public offerings.
Find out more »Administration availability of customer accounts to their instructions - financial instruments operations or cash.
Find out more »Clearing services for transactions made on Bucharest Stock Exchange, Bucharest Clearing House and SIBEX.
Find out more »News and related materials of our current activity: from business press releases to cultural, educational, sport or technological projects
Find out more »is an online cultural publication that shapes the portrait of the new generation of creators
Find out more »is an editorial project dedicated to the pre-university education created by DoR and BRD
Find out more »Find here our mass media contacts
Find out more »We invest in culture because we need leaders and projects to remind us where we come from, who we are and where we are heading to.
Find out more »We strongly believe that the main driver for a higher performance of the education system is the quality of teachers. That’s why our majors programs are focussing on developping teachers’ skills.
Find out more »We love sports because they provide us with an exciting journey with some beautiful moments, heroes who win, attract new fans or, on the contrary, struggle with difficult moments.
Find out more »Economic development is no longer possible without environmental and social progress. It is our responsibility to propose business models that encourage the positive transformation of the world.
Find out more »Community involvement is designed to build sustainable intervention mechanisms so that children and young people in difficult situations can develop their skills
Find out more »We develop and finance projects, companies and businesses for today’s and tomorrow’s world. For a brave world, that places at its core the care for the planet and the people.
Find out more »01
Choose the one that suits you best
You can opt for variable or fixed interest throughout the loan period, or for fixed interest in the first 3 or 8 years of lending and then variable.
Calculate the rate HERE.
02
Pre-approval
loan
if you have not found the property you want, you can obtain pre-approval of the loan, valid for 30 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.
Advantageous interest rates
If you bring a down payment of at least 25% and the property's performance class is A. In addition, you have interest rates adapted to your needs - fixed or variable interest for the entire period or fixed interest for the first 3 years and then variable interest. In the case of loans with variable interest, the interest starts from IRCC+2.25% or from 6.79% for loans with fixed interest for 3 years, then variable IRCC+2.75%
Financial approval
you benefit from a 30-day financial pre-approval, so you have time to find the right home.
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 25% brings you better interest rates
The Habitat loan is a mortgage-real estate loan for the purchase, construction, renovation, modernization of the building, guaranteed with a real estate mortgage.
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 |
HOME. THE PLACE IN WHICH YOU CAN BE WHO YOU WANT TO BE, ANY TIME.
Write us and we will get in touch for all the details you need!
Representative example valid on 13.04.2023, calculated for financing a home through a Habitat loan, for which the building brought under warranty has a class A energy performance certificate, amounting to 264,000 Lei, granted with an advance of at least 25%, for 30 years and repaid in 360 equal monthly installments, with the collection income in BRD account: fixed interest of 6.79% in the first 3 years and subsequently variable 2.75% + IRCC *, APR 8,95%, the value of the first monthly payment amount 1,806.44 lei, subsequently decreases due to the decrease of the insurance premium, the total amount payable: 784,797.45 lei (may decrease as a result of advance reimbursements), which includes file analysis fee 650 lei, monthly administration fee current account associated with the credit zero lei (cost valid during the holding of a package of products and services), life insurance 0.033% per month charged to the credit balance (if you opt for the insurance distributed by BRD, as an affiliated agent of the BRD Life Insurance Insurer). The cost of valuing the real estate brought as collateral is zero lei if the appraiser is appointed by the bank. Real estate insurance (compulsory) depends on its value. The loan is secured by a real estate mortgage. If the income is not collected in the BRD account, the interest becomes 7.15% fixed interest in the first 3 years after granting the loan and 3.06% + IRCC thereafter, and if you give up the package of products and services, the administration fee monthly current account becomes 6 lei.
* The annual interest is composed of the margin + IRCC. IRCC valid between 01.04.2023 – 30.06.2023 is 5,98%.
Before making the decision to borrow, consider the characteristics and implications of the loan. Make sure you understand the risks associated with loan agreements, mainly regarding the fluctuation of your incomes, the variation of the benchmarks, in the case of variable interest rates, or the currency risk, if your incomes are in a different currency than the loan. The consequences of non-repayment may be reporting data to the Credit Bureau and to the Loans Risk Center, as well as initiating the recovery procedures.
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These confidential data will be used only for the internet banking authentication or for online payments.
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