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Noua Casă Loan

With Noua Casă loan, the most beautiful meeting place becomes your home!

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

0 LEI

Total payment amount

0 LEI

DAE

0 %

Interest rate

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More loan details

See due date

Payment methods

Grace period

HOME. THE ONLY PLACE WHERE YOU CAN BE WHOEVER YOU WANT TO BE

Minimum 5%

Minimum down payment of your project's value

IRCC + 2%

Advantageous loan interest rate

30 years

Loan period

Guarantee promise

If you want to buy a building whose construction is not completed, you can get a guarantee promise valid for 18 months, which reserves your guarantee ceiling

WE TELL YOU EVERYTHING YOU NEED TO KNOW

  • Currency: RON
  • Lending period: maximum 30 years (360 monthly instalments)
  • Interest rate - variable over the whole period: IRCC + 2%
  • Down payment:
  • - minimum of 5% of the purchase price for all categories of housing, if it is max. EUR 70,000 (equivalent in lei, at the NBR exchange rate valid on the date of signing the pre-sale-purchase contract)
    - minimum of 15% of the purchase price of new homes, if it is between EUR 70,001 and EUR 140,000 (equivalent in lei, at the NBR exchange rate valid on the date of signing the pre-contract of sale-purchase).

  • The maximum amount of the loan depends on the type and amount of financed housing:
  • - maximum of 66,500 EUR (equivalent in lei), but not more than the value resulting from the housing evaluation report, if the value of the financing intended for the acquisition of any category of housing is maximum 70,000 EUR (which includes the advance paid by you).
    - between 59,501 and 119,000 EUR (equivalent in lei), but not more than the value resulting from the housing evaluation report, if the value of financing for the purchase of new homes is between 70,001 EUR and 140,000 EUR (which includes the advance paid by you ).

  • Type of building financed by the Program: completed house, new or old ("new house" in the sense of the Program is the house received at the end of the works no later than 5 years before the date of requesting financing, or the house subject to intervention works for consolidation and / or reduction of the seismic risk received at the end of the works at most 5 years before the date of requesting the guaranteed financing).
  • Percentage of guarantee offered by the state: 60% for new homes, respectively 50% for old homes
  • Guarantees:
  • - Registered mortgage over the property purchased in favor of the Bank and of the Romanian state proportional to the percentage of guarantee.
    - Mortgage on the amounts of money blocked in a bank account equal to the interest rate of 3 installments, to guarantee the interest, constituted in favor of the Bank.

You are eligible for a Noua Casă loan if:
  • you do not own a home, whether separately or jointly with your spouse, or
  • you own, separately or jointly with your spouse, one home at most, acquired by any other means than throughout the Noua Casă Program, with a useful area of under 50 sqm
  • you purchase a single home through a loan granted and guaranteed under the conditions of the Program;
  • you are the borrower in relation to the bank.
A wide range of incomes is acceptable: salaries, pensions, dividends, royalties, rents, incomes from freelance activities. You can obtain a higher amount if also bring in the income of maximum 3 co-borrowers.
If you are currently employed and have the income registered with ANAF, you are not required to bring a proof of income. In case the information recovered from ANAF is incomplete / not recorded, we will ask you for supporting documents of income. Income statement template .
You are safe throughout the entire loan 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 passing). The policy is optional and ends when the loan agreement is signed, for the entire loan period.

It is necessary to conclude insurance for the housing (PAD and optional).

Rates and commissions

Representative example valid on 01.07.2020, calculated with a standard interest rate used in the New House Program for first acquisition or construction with less than 5 years. For a First House Loan of 190,000 lei,granted for a period of 30 years and repaid in 360 equal monthly installments, with variable interest rate 2% + IRCC*, Annual Effective Interest (APR) is: 4.74%, number of installments: 360, monthly installment amount: 952.57 lei, total amount payable at the end of the loan period: 350,429.89 lei, file analysis fee: 0, monthly loan administration fee: 0, FNGCIMM administration fee: 0.40%., applied to 50% of the loan balance, evaluation fee (apartment) 370 lei. APR does not include life insurance (this is optional) and real estate insurance (which depends on its value). The guarantee of the loan is a real estate collateral.

* Variable interest rate is calculated taking into account the bank margin + IRCC. The IRCC value applicable during the period 1st of July 2020 - 30st of September 2020 is 2.41%.

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

TAKE YOUR LOAN
IN 4 EASY STEPS

01

Find your dream home and apply for a Noua Casă loan

After signing the pre-sale-purchase contract, you must bring to the bank income documents (if any) as well as the documents related to the building for purchasing / to build. In case the dream home is not completed, you can request a guarantee promise, valid for 18 months, by which you reserve the Noua Casă ceiling.

02

Paperwork revision and loan approval

In this stage, the property documents are analyzed, the real estate is evaluated, the financial analysis is performed and if everything is in order, you receive the approval from the bank.

03

Loan approval by FNGCIMM

Once the loan is approved by the bank, it sends the loan guarantee request to the FNGCIMM together with the necessary documents. FNGCIMM approves the request, within the limit of the available ceiling and transmits the guarantee contracts to the bank.

04

Sing the contract

On the day set by you, in agreement with the bank, you will sign the sale-purchase, loan, guarantee and mortgage contracts. Congratulations, you own it!

HOME. THE PERFECT PLACE THAT REFLECTS YOUR PERSONALITY.

HOME. THE PERFECT PLACE THAT REFLECTS YOUR PERSONALITY.

READY, HAVE YOU DECIDED?

Apply now and we will contact you with all the information about the loan.

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Representative example valid on 01.07.2020, calculated with a standard interest rate used in the New House Program for first acquisition or construction with less than 5 years. For a First House Loan of 190,000 lei, granted for a period of 30 years and repaid in 360 equal monthly installments, with variable interest rate 2% + IRCC*, Annual Effective Interest (APR) is: 4.74%, monthly installment amount: 952.57 lei, total amount payable at the end of the loan period: 350,429.89 lei, file analysis fee: 0, monthly loan administration fee: 0, FNGCIMM administration fee: 0.40%., applied to 50% of the loan balance, evaluation fee (apartment) 370 lei. APR does not include life insurance (this is optional) and real estate insurance (which depends on its value). The guarantee of the loan is a real estate collateral.

* Variable interest rate is calculated taking into account the bank margin + IRCC. The IRCC value applicable during the period 1st of July 2020 - 30st of September 2020 is 2.41%.

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

Rates and commissions 

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