Update your personal data from home in just a few minutes.

Search form

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

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

Flexibility

You have unique interest rates in the market, adapted to your needs - fixed interest rate for 30 years, 15 years, 8 years or variable interest rate

Financial approval

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

Advantageous interest rates

Interest rate from 4.68%. In the case of variable interest loans, the interest rate starts from 4.68% (IRCC + 2.8%) or from 5.2% for fixed interest loans for 8 years

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%

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 a fixed interest rate of 30 years, a fixed interest rate of 15 years, a fixed interest rate of 8 years or a variable interest rate 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);

If a new fridge, washing machine or TV has caught your eye you're in luck!

For the purchase of any BRD housing loan until 30.06.2021 you will receive an extra 10% discount voucher in Flanco stores (for products from the Large Appliances category las well as Smart TVs with a screen diagonal of at least 108 cm).

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 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

Commissions and interest

Representative example valid on 15.02.2021, calculated for the HABITAT loan, amounting to 220,000 Lei, granted for 30 years and repaid in 360 equal monthly installments, with the collection of income in the BRD account: fixed interest of 5.60%, APR 6.35%, the value of the first monthly installment 1,361.98 lei, subsequently decreases due to the decrease of the insurance premium, the total amount payable: 477,949.39 lei (may decrease as a result of reimbursements in advance), which includes file analysis fee 650 lei , monthly administration fee current account associated with the zero lei loan (cost valid during the holding of a package of products and services), life insurance 0.045% per month, charged to the loan balance (if you opt for 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 5.89%.

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 loans, or the currency risk, if your incomes are different than the loan currency. The consequences of non-repayment may be reporting data to the Credit Bureau and to the Banking Risk Center, as well as initiating the recovery procedures.

ACQUIRE LOAN 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?

Write us and we will get in touch for all the details you need!

Your message has been sent successfully

All fields marked with * are required


The voucher can only be used in Flanco physical stores until 31.08.2021. For more details consult de campaign rules.

Representative example valid on 15.02.2021, calculated for the HABITAT loan, amounting to 220,000 Lei, granted for 30 years and repaid in 360 equal monthly installments, with the collection of income in the BRD account: fixed interest of 5.60%, APR 6.35%, the value of the first monthly installment 1,361.98 lei, subsequently decreases due to the decrease of the insurance premium, the total amount payable: 477,949.39 lei (may decrease as a result of reimbursements in advance), which includes file analysis fee 650 lei , monthly administration fee current account associated with the zero lei loan (cost valid during the holding of a package of products and services), life insurance 0.045% per month, charged to the loan balance (if you opt for 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 5.89%.

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 loans, or the currency risk, if your incomes are different than the loan currency. The consequences of non-repayment may be reporting data to the Credit Bureau and to the Banking Risk Center, as well as initiating the recovery procedures.

Commissions and interest

Back2Top