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Beware of fraud methods circulating on social networks. Quick and substantial earnings are promised by investing in various digital currencies or shares in popular companies.
The methods are based on phone/WhatsApp chats where you are asked to install various apps. With the help of these apps (which in reality provide remote access to the attackers), control of your device (mobile, laptop, PC) can be taken over and transactions can then be initiated from your bank account.
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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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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.
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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.
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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
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Safekeeping, registering, monitoring and controlling the applications for subscription or redemption of fund units.
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Distribution of fund units, dividends and bond payments. Group distribution services within public offerings.
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Administration availability of customer accounts to their instructions - financial instruments operations or cash.
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Clearing services for transactions made on Bucharest Stock Exchange, Bucharest Clearing House and SIBEX.
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SMS banking
The remote banking service provides you with information on your bank accounts directly from your mobile phone.
Useful
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 »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 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. Interest rates adapted to your needs: you can choose between a fixed interest rate for 3 years from 5.89%, subsequently variable IRCC+2.35%; variable interest for the entire period from IRCC+2.25% or fixed interest for the entire credit period from 7.75%.
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 25.09.2023, calculated for the financing of a home through a Habitat loan, for which the building brought in as a guarantee has a class A energy performance certificate, in the amount of 264,000 Lei, granted with a minimum 25% advance, on 30 years and repaid in 360 equal monthly installments, with income collected in the BRD account: fixed interest of 5.89% in the first 3 years and then variable 2.35% + IRCC*, DAE 8.35%, the value of the first amount monthly payment 1,651.31 lei, the total amount payable: 713,919.49 lei (may decrease as a result of advance repayments), which includes file analysis fee 650 lei, monthly current account administration fee associated with the zero lei credit (cost valid during the period of ownership 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 Insurer BRD Asigurări de Viață) . The cost of appraising the mortgaged property is zero lei if the appraiser is appointed by the bank. Property insurance (compulsory) depends on its value. The loan is secured by real estate mortgage. If the income is not collected in the BRD account, the interest becomes 6.20% fixed interest in the first 3 years from the granting of the loan and 2.61% + IRCC thereafter, and if you renounce the package of products and services, the administration fee monthly current account becomes 6 lei. You can find details on product and service packages at brd.ro/en/individuals/cards-and-accounts/daily-banking/services-packages.
* The annual interest is composed of the margin + IRCC. IRCC valid from 01.07.2023 to 30.09.2023 is 5.94%.
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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BRD Group
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We would like to remind you that BRD - Groupe Societe Generale has not requested and will never ask any of your authentication data (user code, password or password token) or confidential information related to your card (card number, expiration date, security code or PIN) by phone, nor e-mail or SMS.
These confidential data will be used only for the internet banking authentication or for online payments.
At the same time, if you notice a different appearance of the usual MyBRD Net application (ex. A notification message that the page is unavailable and you are invited to log in again, or to sync your token device), please stop the authentication process immediately and contact as soon as possible through MyBRD Contact tel: 021 302 6161.
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