Casa Mea NaturA Loan

It's natural to want to make the best move. Cash in your salary with us and get a 5-years fixed interest rate of 5.38% for environmentally friendly homes:

  • GREEN HOUSING certified by Romania Green Building Council OR
  • HOUSING energy class A and year of construction after 2000

Casa Mea NaturA Loan

It's natural to want to make the best move. Cash in your salary with us and get a 5-years fixed interest rate of 5.38% for environmentally friendly homes:

  • GREEN HOUSING certified by Romania Green Building Council OR
  • HOUSING energy class A and year of construction after 2000

What do I get?

GIFT FOR THE NEW HOUSE
7% discount on Ajusto for arrangements. See details


A LOAN FOR ENVIRONMENT-FRIENDLY HOUSING
You help reduce pollution and, in addition, you have low costs on credit and housekeeping.

QUICK FINANCIAL APPROVAL
You find out on the spot, in branch, exactly how much money you receive from the bank, then you have 90 days to find a home.

INTEREST DISCOUNT
When purchasing a green home*, collecting the salary in BCR's account and choosing a protection option offered by BCR Asigurări de Viață

TIME SAVED
You send documents through the Casa Mea App and make fewer trips to the bank. In addition, you know the status of your loan application at any time.

PROTECTION IN UNEXPECTED SITUATIONS
Take on optional insurance, and you are protected in case of event like unemployment, extended sick leave, total and permanent disability.

REDUCED LIFE INSURANCE COSTS
The insurance premium applies to the credit balance, and thus you will have a lower insurance cost each month.

SMART SHOPPING
Up to 60 interest-free installments at IKEA and up to 12 installments at other retailers, in the country and abroad.

What options do I have?

The Offer for GREEN HOUSING

You make the best move by opting for green homes certified by the Romania Green Building Council!

GREEN HOUSING means to you:

  • High energy efficiency;
  • Optimized consumption of natural resources;
  • Increased health and comfort for you and your family;
  • Reduced pollution associated with transport;
  • Lower household maintenance costs.

The offer for GREEN HOUSING means:

  • 5-year fixed interest, from 5.38% / year;
  • Zero credit analysis and administration fee;
  • Zero real estate appraisal commission;
  • Interest discount applied throughout the credit period.

Calculation example

*Representative example for the CASA MEA NaturA loan with RoGBC certificates with fixed interest rate 5 years later variable, with salary/pension in a BCR current account and life and complex insurances,  calculated for a loan of RON 350,000 for 300 months (25 years), ZERO credit analysis and administration fee; Evaluation cost 0 RON including VAT (apartment);

Fixed interest rate 5 years 5.38%, later variable interest rate 3.76 % / year (IRCC + 1.9%); Monthly payment: RON 2,292 first 5 years, then RON 2,000; Total amount payable: RON 601,912; EAR = 5.53%.

If you do not collect (anymore) the income in the account, for the same loan: Fixed interest rate 5 years 5.98%, later variable interest rate 4.36 % / year (IRCC + 2.5%); Monthly payment: RON 2,419 first 5 years, then RON 2,118; Total amount payable: RON 637,995; EAR = 6.16%. (IRCC = 1,86 % valid until 30.06.2022)

You can choose between the variable interest rate for the entire credit period and the flat interest rate within the first 5 or 10 years and later variable. Get more information on the offer Casa Mea NaturA for GREEN HOUSING

Financial example provided by Romania Green Building House (http://www.rogbc.org/ro).

Assumptions: net size of the apartment: 70 square meter; Market price: € 1,400/sqm for a type B home and € 1,500/sqm for a green home located in the same area and having similar characteristics; Payment period: 25 years;

1 EPC = Energy Performance Certificate according to the national methodology

2 Estimate calculation made for a real estate loan granted in lei, with variable interest for the entire crediting period of: 3.65% for type B homes and 3.55% for green homes.

Offer for ENERGY CERTIFIED HOUSING CLASS A

It is natural to want to move into an energy certified class A home, friendly to your environment and budget.

CLASS A ENERGY CERTIFIED HOUSING means:

  • A well-insulated apartment with energy-efficient installations;
  • Minimal energy losses for heating, cooling, ventilation and lighting;
  • Reduced gas and electricity bill (lower consumption);
  • Contributing to reducing CO2 emissions and combating climate change.

The offer for ENERGY CERTIFIED HOUSING CLASS A means:

  • Fixed 5-year interest, from 5.38% / year;
  • Zero credit analysis and administration fee;
  • Interest discount applied throughout the credit period.

Calculation example

* Representative example for the CASA MEA NaturA loan with energy certificate A, fixed interest rate 5 years later variable, with salary/pension in a BCR current account and life and complex insurances,  calculated for a loan of RON 350,000 for 300 months (25 years), ZERO credit analysis and administration fee; Evaluation cost RON 470 including VAT (apartment);

Fixed interest in the first 5 years: 5.38 % / year, subsequently variable: 3.76 % / year (IRCC + 1.9%): Fix instalment during first 5 years: RON 2,292/month, then variable RON 2,000 / month; Total payable amount: RON 602,382; EAR = 5.54%.

In case you do not (any longer) receive your income in the BCR account, for the same credit: The interest is fixed in the first 5 years: 5.98% / year, then the variable 4.36 % (IRCC + 2.5%); Fix instalment in the first 5 years: RON 2,419/month, then variable RON 2,118/month; Total payable amount: RON 638,465; EAR = 6.17%. (IRCC = 1.86% valid until 30.06.2022).

Get more information on the offer Casa Mea NaturA for ENERGY CERTIFIED HOUSING CLASS A

 

Fewer trips to the bank

Use the CASA MEA app to send the documents online, read the status of your file at any time, find out instantly when your application is approved and communicate with us via live chat.

The loan is granted for the purchase of dwellings and for refinancing other real estate/mortgage loans in progress with BCR or other banks.

The minimum contracted amount is RON 45,000 and the maximum amount you can get is up to 85% of the investment value, for a maximum period of 30 years.

Minimum down payment:

  • 25% of the investment value if you own a property
  • 15% of the investment value if you don’t own a property
  • 0% in the case of loans granted for the refinancing of other mortgages/real estate loans in progress

Testimonials

Arrange the house with the BCR - IKEA credit card with up to 60 interest-free installments at IKEA and up to 12 installments at other retailers, in the country and abroad. Find out complete information about the BCR - IKEA credit card.

Loan calculator


Use our loan calculator and find out what your monthly installment will be 

How much do I pay?

ZERO COSTS
for the Casa Mea App

ZERO COMMISSIONS
credit analysis and administration

FIXED INTEREST
in the first 5 or 10 years

VARIABLE INTEREST
IRCC * + fixed margin

Find out more about the offer: Casa Mea NaturA for GREEN HOUSING

Find out complete information about the offer: Casa Mea NaturA for ENERGY CERTIFIED HOUSING CLASS A

*Reference index for loans granted in national currency

Eligibility requisites

Minimum age: 18 years
Maximum age, condition verified when granting the loan: 60 years / 63 years / 65 years / 70 years *

Minimum income: RON 1380

Continuity: 3 months for customers with banking products or 6 months for new customers in the non-bank banking / financial market

Employment contract for an indefinite or fixed period (if the credit period is covered)

Other conditions / criteria: no seizures and no arrears

How do I get Casa Mea NaturA Loan

1

PRELIMINARY ANALYSIS. Visit us in our office, we make a calculation, and you sign the credit application. Then you install the Casa Mea App, through which you can send, directly from the phone, the necessary documents for the analysis of the file.

2

FINANCIAL ANALYSIS. We analyze your credit file and tell you the maximum amount you can borrow. Sign the offer at the bank and start looking for the new house.

3

PROPERTY ANALYSIS. We analyze the house documents sent through the Casa Mea App. You pay the appraisal fee, and an ANEVAR member appraiser will evaluate the home you want to pledge.
Property eligibility requisites for Casa Mea NaturA loan:
Housing energy class A and year of construction after 2000 or
Green housing certified by Romania Green Building Council

If the property you want to buy does not fall into one of the above-mentioned categories, you will have to apply again for the CASA MEA loan.

4

CREDIT APPROVAL. Congratulations, your credit has been approved! Contact the notary about the sale-purchase contract, and you come to us to sign the credit agreements, guarantee and insurance policies. Then, ask the notary to register the mortgage with the National Agency for Cadastre and Land Registration and to obtain an extract from the Land Book and a conclusion of the tabulation of the mortgage that you also send to the bank through the Casa Mea App.

5

PAYMENT TO THE SELLER. Don't worry, we make the payment to the seller. Now is the time to arrange your home with the BCR — IKEA credit card, with up to 60 interest-free installments!

Required documents

1. Valid ID CARD (in original), for you and other credit participants

2. Documents you can upload directly to the CASA MEA app, from your phone or computer:

2.1. Income documents

If your income is reported to ANAF and collected in a BCR current account:

• No income-related documents (just a signed Inquiry Agreement for ANAF)

• In case your current income is higher by over 20% than the income of the previous year, BCR will request additional documents

• In case you get your income from pensions, it is required to submit the Certificate of permanent retirement

If your income is not reported to ANAF (employees of MAI, MApN, SRI, SIE, SPP, Police, Gendarmerie, penitentiaries, or other entities with special designation) must produce:

• Certificate of employment (only if customer does not collect his/her salary in a BCR account)

If your pension income is not reported to ANAF:

• Recent pension slip or a bank account statement

• Certificate of permanent retirement

2.2 PROPERTY DEEDS of the building brought as guarantee

„A” Energy Performance Certificate for homes constructed after 2000.

If the home is certified by the Romanian Green Building Council, then it is not necessary to present any additional documents. The certification will be proven by the existence of the real estate complex on the Romanian Green Building Council website.

Discover in the CASA MEA app the list of necessary documents, see where you can get them and upload them directly from your phone as soon as you have them! Otherwise you may request in any BCR branch the complete list with the documents required to obtain the credit, personalised according to the destination of your credit!

Additional information

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