Habitat Loan

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Loan Calculator

Find out more details
about the loan
Benefits

See all benefits
of the Habitat loan.
Apply

We’ll call you to set up
a meeting.

CALCULATE YOUR IDEAL LIVING SITUATION

1. How much would you like to borrow? LEI

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. Payment methods

First rate

0 LEI

Total payment amount

0 LEI

DAE

0 %

Interest rate

See due date

ACQUIRE LOAN IN
4 SIMPLE STEPS

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.

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.

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.

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.

Contract signing

All good things come with the right 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

APPLY NOW

WE TELL YOU EVERYTHING YOU NEED TO KNOW

What does the Habitat loan offer you?

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 30 years or fixed for the first 3 years and then variable for the entire loaning period;
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.
Preferential interest if you choose to collect your salary on account at BRD;
You benefit from a free real estate appraisal when the appraisal is performed by a bank-appointed appraiser;
Assurance that you can recover, if necessary, the advance paid to the seller, through the escrow account (optional and free service);

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

Required documents

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

Loan insurance

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

Loan fees

Fees and Commissions

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By checking this field I understand that BRD processes my personal data in accordance with the mentions of the Information Note and I have read the Terms and conditions of use of the BRD site. *

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.

Commissions and interest

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CALCULATE YOUR IDEAL LIVING SITUATION

ACQUIRE LOAN IN4 SIMPLE STEPS

All good things come with the right loan

WE TELL YOU EVERYTHING YOU NEED TO KNOW

WE TELL YOU EVERYTHING YOU NEED TO KNOW

HAVE YOU DECIDED?

ACQUIRE LOAN IN
4 SIMPLE STEPS