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Creditul La Casa Mea

ENJOY THE SUNRISE FROM YOUR WINDOW IN YOUR VERY OWN HOME!

Finally get that terrace that fits all your friends. Have the perfect place that reflects your personality. With the La Casa Mea loan from BRD you can easily put your new house plans into practice.

1. How much would you like to borrow? LEI

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

First rate

0 LEI

Total payment amount

0 LEI

DAE

0 %

Interest rate

0

More loan details

See due date

Payment methods

Grace period

WITH THE BRD LOAN, YOU HAVE LOTS OF BENEFITS

Fixed interest for the first 5 years

and subsequently the variable - 5.5% fixed interest, respectively IRCC + 2.95%, but you can also opt for variable interest throughout the credit period (IRCC + 2.85%)

Request additional amount

of max. 20%, of the value of the credit loan, to cover some expenses related to the real estate investment (ex: notarial expenses, with the evaluation, the modernization of the house purchased from the credit).

Safety

you can recover, if necessary, the advance paid to the seller, through the escrow guarantee account (optional and free service)

Free evaluation

of the building when the appraisal is carried out by an appraiser approved by the Bank

Quick approval

You benefit from a 90-day financial pre-approval, so you have time to find the right home

15% advance

The required advance is 15%

We tell you all you need to KNOW

La Casa Mea loan is ment for house purchase or construction of a house.

  • Currency: RON.
  • Lending period: maximum 360 months.
  • Interest rate - you can choose between variable interest over the whole period or fixed interest for the first 5 years, followed by variable interest.
  • 15% advance.
  • The maximum amount is 100,000 EUR, equivalent in lei.
  • You can opt for a period of partial grace, during which time no capital is paid, up to 12 months in the case of construction loans.
  • You bring under warranty the property you want to buy or build.
A wide range of incomes is accepted: salaries, pensions, dividends, royalties, rents, up to incomes from independent activities. You can get a larger amount if you also bring the maximum of 3 co-borrowers.
Without income proof, if you are employed and have the income registered with ANAF. In case the information recovered from ANAF is incomplete / not recorded, we will ask you for supporting documents of income. Model adeverință venit.
You are safe throughout the entire credit period by completing life insurance that gives you and your family protection in the event of unforeseen events (unemployment, incapacity for work, total disability or death). The policy is compulsory and ends when the credit agreement is signed, for the entire credit period.
In addition, it is necessary to conclude an insurance for the building (s) brought under warranty (PAD + optional insurance) .

Commissions and interest

Representative example on 01.07.2019 for financing the first home through a loan of 190,000 Lei, for 30 years, with the collection of the income in the BRD account: fixed interest of 5.5% in the first 5 years and subsequently variable IRCC + 2, 95%, DAE 6.33%, the value of the first monthly installment 1,164.30 lei, subsequently decreases, the total amount payable: 412,564.13 lei, which includes file analysis fee 650 lei, monthly administration fee credit 0 lei, monthly account management fee associated with the credit 4.2 lei, life insurance 0.045% per month, charged to the credit balance. The evaluation is free. The insurance of real estate (obligatory) depends on its value. * IRCC valid from 01.07.2019 - 30.09.2019 - 2, 63% The product is valid only if you collect your income in the BRD account and you do not own any property together with your partner, regardless of when it was acquired. If, during the credit period, you give up the collection of the income in the BRD account, then the interest becomes 6.05% fixed interest in the first 5 years after the loan was granted and IRCC + 3.77% thereafter. The loan is secured by a real estate mortgage.

Before making the decision to borrow, consider the characteristics and implications of the loan. Make sure you understand the risks associated with the credit agreements, mainly regarding the fluctuation of your income or the variation of the reference indices, in the case of variable interest loans.

YOUR HOME IN
4 SIMPLE STEPS

01

Loan approval

If you have n’ot found the property you want, you can obtain pre-approval of the loan, valid for 90 days based on your income documents.

02

Find the
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.

03

Final approval

After finding the building, 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.

04

Contract signing

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

THE HOME. THE PLACE IN WHICH YOU CAN BE WHO YOU WANT, AT ANY TIME.

THE HOME. THE PLACE IN WHICH YOU CAN BE WHO YOU WANT, AT ANY TIME.

HAVE YOU DECIDED?

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Representative example on 01.10.2019 for financing the first home through a loan of 190,000 Lei, for 30 years, with the collection of the income in the BRD account: fixed interest of 5.5% in the first 5 years and subsequently variable IRCC + 2, 95%, DAE 6.35%, the value of the first monthly rate 1,164.30 lei, subsequently decreases, the total amount payable: 413,525.99 lei, which includes file analysis fee 650 lei, monthly administration fee credit 0 lei, monthly account management fee associated with the credit 4.2 lei, life insurance 0.045% per month, charged to the credit balance. The assessment is free of charge if performed by an appraiser approved by the Bank. The insurance of real estate (obligatory) depends on its value. * IRCC valid for the period 01.10.2019 - 31.12.2019 - 2.66%. 

The product is valid only if you collect your income in the BRD account and you do not own any home or together with the partner any home, no matter when it was acquired. If, during the credit period, you give up the collection of the income in the BRD account, then the interest becomes 6.05% fixed interest in the first 5 years after the loan was granted and IRCC + 3.77% thereafter. The loan is secured by a real estate mortgage.

Before making the decision to borrow, consider 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 variation of the benchmarks, in the case of variable interest loans.

Commissions and interest

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