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Prima Casă loan

With Prima 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

0

More loan details

See due date

Payment methods

Grace period

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

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 360 months
  • Interest rate - variable over the whole period: IRCC + 2%
  • 5% minimum down payment
  • The maximum amount of the loan depends on the type of financed housing:
    • For the purchase of new or consolidated housing (received at the end of the construction works more than 5 years before the date of applying for the guaranteed loan) maximum 66,500 EURO
    • For the construction of individual residence, a maximum of 66,500 EURO, but no more than the value resulting from the estimate of works, annex to the contract for the construction of the dwelling
    • For the construction of houses in associative regime, maximum 71,250 EURO, but no more than the value resulted from the estimate of works, annex to the contract for building the house
    • For the purchase of other categories of houses (received at the end of the construction works more than 5 years before the date of applying for the guaranteed loan) maximum 57,000 EURO
  • Grace period: you can opt for a partial grace period, during when you do not pay the capital, up to 18 months in the case of construction loans
  • Guarantees:
    • Registered mortgage over the property purchased in favor of the Bank and of the Romanian state proportional to the percentage of guarantee. In the case of constructions, you will guarantee the future land and house that you are going to build
    • 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 Prima Casă loan if:
  • You do not own a home, whether separately or jointly with your spouse
  • You own, separately or jointly with your spouse, one home at most, acquired by any other means than throughout the Prima Casă Program, with a useful area of under 50 sqm
You can get a new Prima Casă loan and if you already have a Prima Casă loan, but you want a larger home. In this case, it is necessary to sell your current home and repay the initial loan in full.
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 building (PAD and optional), or to insure the construction-assembly works, in the case of the building under construction.

Rates and commissions

Representative example valid on 01.01.2020, for a Prima Casă loan of 190,000 lei, for 30 years, with variable interest rate * IRCC + 2% p.y.: annual effective interest (DAE **): 4,71%, monthly payment amount: 946,96 lei, the total amount payable at the end of the loan period: 349.292,40 lei, file analysis fee: 0, monthly loan administration fee: 0, annual commission due from FNGCIMM: 0.45%, applied to 50% of the loan balance, evaluation cost (apartment) 370 lei. DAE does not include life insurance (this is optional) and real estate insurance (which depends on its value).

* Variable interest is calculated taking into account the IRCC Reference Index level, applicable during the period 01.01.2020-31.03.2020, respectively 2.36%, plus the fixed interest margin.

** DAE is the Annual Effective Interest and includes the fees and commissions related to the loan, charged by the bank. Since the loan is a loan with a variable interest rate, the actual DAE may differ from the DAE presented in the example above if your interest rate changes.

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 indices, in the case of variable interest loans.

TAKE YOUR LOAN
IN 4 EASY STEPS

01

Find your dream home and apply for a Prima 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 Prima 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 01.01.2020, for a Prima Casă loan of 190,000 lei, for 30 years, with variable interest rate * IRCC + 2% p.y.: annual effective interest (DAE **): 4,71%, monthly payment amount: 946,96 lei, the total amount payable at the end of the loan period: 349.292,40 lei, file analysis fee: 0, monthly loan administration fee: 0, annual commission due from FNGCIMM: 0.45%, applied to 50% of the loan balance, evaluation cost (apartment) 370 lei. DAE does not include life insurance (this is optional) and real estate insurance (which depends on its value).

* Variable interest is calculated taking into account the IRCC Reference Index level, applicable during the period 01.01.2020-31.03.2020, respectively 2.36%, plus the fixed interest margin.

** DAE is the Annual Effective Interest and includes the fees and commissions related to the loan, charged by the bank. Since the loan is a loan with a variable interest rate, the actual DAE may differ from the DAE presented in the example above if your interest rate changes.

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 indices, in the case of variable interest loans.

Rates and commissions 

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