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1. How much would you like to borrow? LEI

2. Over how many months do you want to pay the loan?

3. Alege tipul de dobândă care ți se potrivește:

First rate

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Total payment amount

0 LEI

DAE

0 %

Interest rate

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More loan details

See due date

Payment methods

Grace period

For your first home, have an interest that makes all the difference.

Bring your salary to BRD and choose from the lowest interest rates.

Variabile interest rate 3,28% (IRCC +2,2%)
throughout the credit period

Fixed interest rate 3.99% in the first 8 years
then variable interest rate IRCC + 2.2% for the rest of the period

Fixed interest rate 4.6% in the first 15 years
then variable interest rate IRCC + 2.2% for the rest of the period

APPLY ONLINE NOW

La Casa Mea Loan

Up to 120 000 euros

the equivalent in lei

For a maximum of 30 years

to pay the installments comfortably

Minimum down payment 15%

to prove your creditworthiness

No proof of income

if you are an employee and have the income registered with ANAF

Pre-approval valid for 90 days

to have enough time to find your perfect home

Free appraisal of the property

if performed by an evaluator appointed by BRD

You recover the advance paid to the seller

via Escrow account - free, optional service

EVERYTHING YOU NEED TO KNOW

The La Casa Mea loan is a loan for the acquisition or construction of a building.

  • The La Casa Mea loan is a loan intended for the acquisition / construction of the first home. If you already own a home, the right product for you is Habitat
  • Curency: RON
  • Loan period: maximum 360 months
  • Interest rate type – you can choose between the variable interest for the whole period or the fixed interest in the first 8 or 15 years, followed by the variable interest
  • Down payment 15%
  • The maximum amount is EUR 120,000, equivalent in lei
  • You can opt for a partial grace period, during which no capital is paid, up to 12 months in the case of construction loans
  • You guarantee the property you want to buy or build.
A wide range of income is accepted: salaries, pensions, dividends, copyrights, rents, up to income from independent activities. You can get a higher amount if you also bring the income of a maximum of 3 co-borrowers.
No income certificate, if you are an employee and have the income registered with ANAF. If the information recovered from ANAF is incomplete / not registered, we will ask you for income supporting documents. Income statement model.

You are safe for the entire crediting period by concluding a life insurance policy that offers you and your family protection in case of unforeseen events (unemployment, incapacity for work, total disability or death). The policy is mandatory and ends at the time of signing the credit agreement, for the entire crediting period.

In addition, it is necessary to take out insurance for the property / properties under collateral. This can be concluded in collaboration with BRD Asigurari Generale or with another insurer, depending on your option.
BRD Asigurari Generale offers its clients several types of home insurance:
- Compulsory home insurance -PAD
- Extended optional home insurance (fire and other calamities)

Additionally, customers who take out optional home insurance can take out 2 new types of insurance:
- Additional insurance of goods inside the house
- Additional third party liability insurance

PID Document Home Insurance Goods download
PID document Home insurance Civil liability download
PID document Home insurance download

Representative example valid on 01.10.2021, calculated for financing the first home through a La Casa Mea loan, amounting to 220,000 Lei, granted for 30 years and repaid in 360 equal monthly installments, with the collection of income in BRD account: interest fixed of 3.99% in the first 8 years and subsequently variable 2.20% + IRCC *, APR 4.31%, the value of the first monthly payment amount 1,148.05 lei, subsequently decreases as a result of the decrease of the insurance premium, the total value payable: 381,185.99 lei (may decrease as a result of reimbursements in advance), which includes file analysis fee 650 lei, monthly current account administration fee 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 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. The product is valid only if you collect your income in your BRD account and you do not own exclusively or together with your partner any home, regardless of when it was acquired. If the income is not collected in the BRD account, the interest becomes 4.53% fixed interest in the first 8 years after granting the loan and 2.78% + IRCC thereafter, and if you give up the package of products and services, the administration fee monthly current account becomes 5 lei.

* The annual interest is composed of the margin + IRCC. IRCC valid between 01.10.2021 - 31.12.2021 is 1.08%.

Before making the decision to borrow, analyze the characteristics and implications of the loan. Make sure you understand the risks associated with loan agreements, mainly with respect to fluctuations in your income, changes in benchmarks, variable interest loans or currency risk, if the income you earn is in a currency other than of credit. The consequences of non-repayment may be reporting to the Credit Bureau and the Banking Risk Center, as well as initiating recovery procedures.

Commisions and interest

HOW TO OBTAIN
LA CASA MEA LOAN

01

Fill in the online form

We will contact you and provide you with all the information to obtain the loan.

02

Fill in the necessary documents

No income certificate, if you are an employee and have the income registered with ANAF. If the information from ANAF is incomplete / not registered, we will ask you for income supporting documents. Income certificate template.

03

We pre-approve your loan

If you have not yet found the much desired home, you can obtain pre-approval of the loan, valid for 90 days based on your income documents.

04

You find your home and pay the down payment

To pay the advance you can use the guarantee account for the pre-contract advance (Escrow account). This way you can be sure that you can recover your advance without any problems, if necessary.

05

You get final approval

After finding the home, you bring the property documents to BRD for the evaluation of the building and obtaining the legal approval. If everything is fine, you get the final approval of the loan.

06

Sign the contracts

On the day set by you, we will sign the sale-purchase agreement, the credit agreement and the mortgage agreement.

FEEL AT HOME
WITH THE SMALL INTEREST RATE FROM BRD

READY, HAVE YOU DECIDED?

Write to us and we will contact you with all the information to access the loan!

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Representative example valid on 01.10.2021, calculated for financing the first home through a La Casa Mea loan, amounting to 220,000 Lei, granted for 30 years and repaid in 360 equal monthly installments, with the collection of income in BRD account: interest fixed of 3.99% in the first 8 years and subsequently variable 2.20% + IRCC *, APR 4.31%, the value of the first monthly payment amount 1,148.05 lei, subsequently decreases as a result of the decrease of the insurance premium, the total value payable: 381,185.99 lei (may decrease as a result of reimbursements in advance), which includes file analysis fee 650 lei, monthly current account administration fee 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 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. The product is valid only if you collect your income in your BRD account and you do not own exclusively or together with your partner any home, regardless of when it was acquired. If the income is not collected in the BRD account, the interest becomes 4.53% fixed interest in the first 8 years after granting the loan and 2.78% + IRCC thereafter, and if you give up the package of products and services, the administration fee monthly current account becomes 5 lei.

* The annual interest is composed of the margin + IRCC. IRCC valid between 01.10.2021 - 31.12.2021 is 1.08%.

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 with respect to fluctuations in your income, changes in benchmarks, variable interest loans or currency risk, if the income you earn is in a currency other than of credit. The consequences of non-repayment may be reporting to the Credit Bureau and the Banking Risk Center, as well as initiating recovery procedures.

Commisions and interest

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