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Prima Casă


minimum down payment of your project's value


loan granting fee

IRCC+ 2%

loan interest rate

30 years

loan period


in LEI for acquisition or construction of dwelling

What does the Prima Casă loan offer you?

The Prima Casă mortgage loan offers you the possibility to buy through the Prima Casa program, either a finished home, or one that is in the process of being finished, in various stages of construction, meant to be purchased after being finished.


What type of income do I need in order to obtain the loan?

A wide range of income types are accepted: salary, pensions, dividends, copyrights, rents, life annuities, income from freelance activities. You can obtain a higher amount if also bring in the income of maximum 3 co-borrowers.


Do I need guarantees?​

If you want to buy a home, the loan guarantee is represented by the property financed through the loan. If you plan to build a home, you will guarantee the loan with the land and the home that you will build.


How can I relax for the entire credit period? 

In order for you to be relaxed throughout the credit period, we recommend that you should conclude a life insurance, which will offer both you and your family, protection in case of unforeseen events (total and permanent invalidity or death from any cause). The payment of the related premium involves a minimum effort, as it is paid on a monthly basis, along with the loan instalment.

For the property brought as guarantee, it is also necessary to conclude an insurance policy for the purchased real estate property.

In addition to that, you also need to insure the construction works for the housing property under construction.


You can benefit from the Prima Casa credit 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 throught the Prima Casa Program, with a useful area of under 50 sqm. 


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