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Refinantare Habitat EN


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


Total payment amount



0 %

Interest rate


More loan details

See due date

Payment methods

Grace period

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



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 or 8 years of lending and then variable interest. 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.


Advantageous interest rates

You get interest rates adapted to your needs - fixed interest for 30 years, fixed interest for 3 years or 8 years and variable afterwards. This offer is valid for real estate/mortgage refinancing from other banks.

Reduced Life Insurance

If you opt for the insurance distributed by BRD, as an affiliated agent of the Insurer BRD Asigurări de Viață, you will benefit from a reduction in the insurance rate (0.033%, instead of 0.045%, charged monthly to your loan balance), which will protect you in continuation of unforeseen situations in case of death or disability from the accident

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


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 type – you can choose between fixed interest for 30 years or fixed interest for 3 years or 8 years and variable afterwards;
  • The maximum amount depends on the value of the property(s) you choose to pledge;
  • You benefit from zero commissions: for analysis of the credit file and credit administration. 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.



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Representative example valid on 01.01.2023, calculated for the refinancing of a real estate investment loan from another bank through a Habitat loan, in the amount of 264,000 Lei, granted for 30 years and repaid in 360 equal monthly installments: fixed interest rate of 6.99% in the first 3 years and thereafter variable 2.75% + IRCC*, DAE 8,77%, the value of the first monthly payment amount 1,841,75 lei, subsequently decreases as a result of the reduction of the insurance premium, the total amount payable: 734.721,02 lei (may decrease as as a result of advance repayments), which includes zero lei file analysis fee, zero lei monthly administration fee for the current account associated with the loan (cost valid for the period of holding a package of products and services), life insurance 0.033% per month charged to the loan balance ( if you opt for the insurance distributed by BRD, as an affiliated agent of the Insurer BRD Asigurări de Life). 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 6 lei. You can find details on product and service packages at si conturi/current account packages.

* The annual interest is composed of the margin + IRCC. IRCC valid from 01.01.2023 – 31.01.2023 is 5,71%.

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, 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