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Housing Loan Refinancing | Habitat BRD

EXAMPLE OF CREDIT
REFINANCE CALCULATION

The calculation is made for a loan worth 300,000 lei, granted over a period of 360 months, and strictly compares the monthly rate, consisting of interest and capital, without taking into account life insurance, which is paid separately from the calculations made in the scenarios below. The values ​​are indicative and are used for comparison purposes only.

Ongoing Loan:
VARIABLE interest rate: IRCC* + 2.5% (8,4%)

*Current IRCC = 5.9%

Refinancing through Habitat from other banks:
Interest 5,65% per annum, FIXED for the first 3 years and variable thereafter, IRCC + 2.29%

Saving 554 lei during the first 3 years (compared to the old loan with variable interest rate of IRCC + 2.5%)

REFINANCING HABITAT CALCULATOR

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. Repayment methods

First rate

0 LEI

Total payment amount

0 LEI

DAE

0 %

Interest rate

0

See due date

This offer is valid for real estate/mortgage refinancing from other banks.

REFINANCE YOUR LOAN IN A FEW SIMPLE STEPS

01

Choose the right interest rate for your needs

You can opt for variable or fixed interest for the entire period of the loan, or for fixed interest in the first 3 years of crediting and variable thereafter. See interest and fees guide here.

02

Complete the form

Leave us your data in the form below or come to the nearest BRD agency for the financing offer that suits you.

03

Sign the documents

Complete the ANAF query agreement, if you get income from income from salaries and pensions, otherwise you will also need the income documents. You bring the property documents to the bank to evaluate the property and obtain the legal opinion. If everything is in order, you receive the final loan approval.

ALL GOOD THINGS COME WITH CHOOSING THE RIGHT LOAN

Advantageous interest rates

You get interest rates adapted to your needs - fixed or variable interest for the entire period or fixed interest of 5.65% in the first 3 years and then variable interest IRCC+2,29%. This offer is valid for real estate/mortgage refinancing from other banks.

Additional amount

You can access an additional amount of maximum 20% of the loan amount, to cover expenses related to the real estate investment (e.g. notary expenses).

Free evaluation

You benefit from the free property valuation, when the valuation is carried out by an appraiser appointed by the bank.

Zero commission

For loan analysis, if you refinance a loan from another bank.

WE TELL YOU EVERYTHING YOU NEED TO KNOW

Through the Habitat real estate loan you can refinance other real estate loans, including the Noua Casă.
  • Currency: RON;
  • Credit period: maximum 360 months;
  • Interest rate - you can choose between fixed or variable interest for the entire period or fixed interest in the first 3 years and variable thereafter;
  • The maximum amount depends on the value of the property(s) you choose to pledge;
  • You benefit from zero commission: for analysis of the loan file, if you refinance a loan from another bank. In addition, if you opt for a current account package, you also benefit from a zero admission fee for your current account;
  • You benefit from a free property valuation, when the valuation is carried out by an appraiser appointed by the bank.
A wide range of income is accepted: salaries, pensions, dividends, royalties, rents, self-employment income.

You are safe for the entire credit period by concluding a life insurance that offers you and your family protection in case of unforeseen events (total and permanent disability from an accident or death from any cause). The policy is mandatory and ends at the moment of signing the credit agreement, for the entire crediting period. In addition, if you apply for a refinancing loan until the end of 2022, you benefit from the reduction of the life insurance rate distributed by BRD, as an Affiliate Agent of the Insurer BRD Asigurari de Viata, from 0.045% to 0.033%, (prime monthly, charged to your credit balance).

In addition, it is necessary to take out an insurance policy for the property(s) brought as a guarantee. This can be concluded in collaboration with BRD Asigurari Generale or with another insurer, depending on your option.

BRD Asigurari Generale offers its customers several types of home insurance:

  • Compulsory home insurance - PAD
  • Extended optional home insurance (fire and other calamities)

In addition, customers who take out optional home insurance can contract 2 new types of insurance:

  • Additional insurance of Goods inside the home
  • Additional third party liability insurance
PID document home insurance-assets download
PID document home insurance-civil liability download
PID document home insurance download
LID document life insurance download
Only if the information retrieved from ANAF is incomplete/not registered, we will ask you for proof of income. income certificate model.
You will find the necessary information at Commissions and interest.
MOVE YOUR LOAN<br> IN THE NEW HOUSE

MOVE YOUR LOAN
IN THE NEW HOUSE

HAVE YOU DECIDED?

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Representative example valid on 21.06.2024, calculated for the refinancing of a real estate investment loan from another bank/financial institution through a Habitat loan, in the amount of 264,000 Lei, granted for 30 years and repaid in 360 equal monthly installments: fixed interest of 5.65%/year in the first 3 years and subsequently variable 2.29% + IRCC*, DAE 8.18%, the value of the first monthly payment amount 1,611.02 lei, the total amount payable: 705,007.13 lei ( may decrease as a result of advance repayments), which includes file analysis fee zero lei, monthly administration fee current account associated with credit zero lei (cost valid during the period of ownership of a package of products and services), mandatory life insurance 0.033% per month charged to the credit balance (if you opt for insurance distributed by BRD, as an affiliated agent of BRD Life Insurance Insurer). 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 you cancel the package of products and services, the monthly current account administration fee becomes 8 lei. Details on product and service packages can be found on brd.ro/en/individuals/cards-and-accounts/daily-banking/services-packages.

* The annual interest is composed of the margin + IRCC. IRCC valid from 01.04.2024 to 30.06.2024 is 5.90%.

Before making the decision to borrow, analyze the characteristics and implications of the loan. Make sure you understand the risks associated with credit agreements, mainly regarding the fluctuation of your income, the variation of benchmarks in the case of loans with variable interest or the currency risk, if the income obtained is in a currency other than that of the loan . The consequences of non-repayment can be reporting to the Credit Bureau and the Credit Risk Center, as well as the initiation of recovery procedures.

Commissions and interest