Habitat Refinancing

Refinancing loan calculator

Make a refinancing
loan simulation.
Benefits

See all benefits
of the Refinancing Habitat loan.
Apply

We’ll call you to set up
a meeting.

REFINANCING HABITAT CALCULATOR

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. Repayment methods

First rate

0 LEI

Total payment amount

0 LEI

DAE

0 %

Interest rate

See due date

REFINANCE YOUR LOAN IN A FEW SIMPLE STEPS

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.

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.

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 in the first 3 and then variable interest. 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 commissions

Credit analysis and administration if you refinance a loan from another bank.

APPLY NOW

WE TELL YOU EVERYTHING YOU NEED TO KNOW

What does the Habitat loan offer you for refinancing?

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.

What income do you need to access the Habitat refinance loan?

A wide range of income is accepted: salaries, pensions, dividends, royalties, rents, self-employment income.

How can you stay calm throughout the duration of the loan?

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, 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

No proof of income

Only if the information retrieved from ANAF is incomplete/not registered, we will ask you for proof of income. income certificate model.

How much does it cost you?

You will find the necessary information at Commissions and interest.

Loan details

Habitat Loan RON Presentation

MOVE YOUR LOAN
IN THE NEW HOUSE

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

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. *

To be able to process your request, please enter a valid phone number from Romania. Phone numbers from abroad cannot be called.

Representative example valid as of 24.04.2026, calculated for financing a home through a Green Habitat Loan, amounting to 330,000 RON, granted with a minimum down payment of 20%, over 30 years and repaid in 360 equal monthly instalments, for a borrower with a minimum monthly income of 12,000 RON: fixed interest rate of 4.65% per year for the first 3 years, followed by a variable rate of 2.10% + IRCC*, APR 7.54%. The amount of the first monthly instalment is 1,810.50 RON, and the total amount payable is 832,955.84 RON (may decrease as a result of early repayments), which includes a loan application analysis fee of 900 RON, monthly administration fee for the current account associated with the loan of 0 RON (cost valid for as long as a package of products and services is held), and mandatory life insurance of 0.033% per month applied to the outstanding loan balance (if you choose the insurance distributed by BRD, acting as an affiliated agent of BRD Life Insurance).

Representative example valid as of 24.04.2026, calculated for financing a home through a Green Habitat Loan, amounting to 330,000 RON, granted with a minimum down payment of 20%, over 30 years and repaid in 360 equal monthly instalments, for a borrower with a monthly income below 12,000 RON: fixed interest rate of 4.85% per year for the first 3 years, followed by a variable rate of 2.10% + IRCC*, APR 7.60%. The amount of the first monthly instalment is 1,850.28 RON, and the total amount payable is 835,711.25 RON (may decrease as a result of early repayments), which includes a loan application analysis fee of 900 RON, monthly administration fee for the current account associated with the loan of 0 RON (cost valid for as long as a package of products and services is held), and mandatory life insurance of 0.033% per month applied to the outstanding loan balance (if you choose the insurance distributed by BRD, acting as an affiliated agent of BRD Life Insurance).

The property appraisal cost for the collateral is 0 RON if the appraiser is appointed by the bank. The property insurance (mandatory) depends on its value. The loan is secured by a mortgage on the property. If you give up the package of products and services, the monthly current account administration fee becomes 8 RON. Details regarding product and service packages can be found at: https://www.brd.ro/persoane-fizice/carduri-si-conturi/operatiuni-curente/carduri-de-zi-cu-zi

* The annual interest is composed of the margin + IRCC. IRCC valid from 01.04.2026 to 30.06.2026 is 5.58%.

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 the of the credit. 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