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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 loans granted under the “Prima Casa” (“First House”) Program:
    • 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 the construction of the dwelling
    • 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
  • -The new Governmental Program, "O familie, o casă" ("One family, one house"), modifies the maximum amount of the loan to 66,500 EURO (but not more than the value resulting from the estimate of works, annex to the contract for the construction of the dwelling) for the purchase or construction of individual houses;
  • 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 may benefit of a loan granted under the new Government Program "O familie, o casă" ("One family, one house") if:
  • you do not own exclusively or together with the spouse any house, regardless of the manner and time when it was acquired, or you own exclusively or together with the spouse at most one house, acquired in any other way than through the “Prima casă” Program, with a useful area of under 50sqm;
  • during the loan, obtained within the Program, you do not acquire individually or together with the family a share of more than ½ inclusive, from another dwelling located in the urban environment, except for those acquired by inheritance. Otherwise, within 12 months you have to decide which dwelling you will keep;
  • your individual income, or the cumulative income with your spouse, does not exceed 4,500 lei, net / monthly, or 7,000 lei, net / monthly, if you have one or more children.
You can get a new Prima Casă (“First House”) 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.
Starting with 3rd of April 2020, the Program "First House" becomes One family, one house". At the moment, we are waiting for the new application rules, in order to be able to recieve the requests for this mortgage loan.
What you should know at the moment:
  • if you have already submitted an application for a "Prima Casă" ("First House") loan, before 6th of April 2020, it will be analyzed under the terms of the “Prima Casa” Government Program and you will not be affected by this change;
  • if you hold a Guarantee Promise granted under the “Prima Casa” Government Program, it may be finalized under the “Prima Casa” Government Program and you will not be affected by this change;
  • the applications submitted for a "Prima Casa" loan, starting with 6th of April 2020, will be subject to the conditions of the new Government Program "One family, one house".
What are the main changes to the Government Program "O familie, o casă" ("One family, one house"):
  • your individual income, or the cumulative income with your spouse, may not exceed 4,500 lei, net / monthly, or 7,000 lei, net / monthly, if you have one or more children;
  • the dwelling financed by this loan cannot exceed the value of EUR 70,000 (equivalent in lei at the NBR exchange rate, valid at the date of concluding the sale-purchase contract);
  • the maximum amount of the loan is 66,500 EURO (equivalent in lei);
  • if you wish, you will be able to request the refinancing of the loan with another mortgage loan outside the Government Program.
If you wish to apply for this mortgage loan, you can leave us your contact details in the form below so that we can contact you when the application rules for the Government Program "O familie, o casă" will be published in the Official Gazette.
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 01.07.2020, calculated with a standard interest rate used in the First 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 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 01.07.2020, calculated with a standard interest rate used in the First 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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