Prima Casă

5%

minimum down payment of your project's value

ZERO

loan granting fee

ROBOR 3 months + 2%

loan interest rate

30 years

loan period

Financing 

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.

Income

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.

Guarantees

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.

Safety

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.

Terms

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. 

Commissions

See the list of commissions  download

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Alege tipul de credit
Suma de care ai nevoie
Durata creditului
months