Get your home and loan from BCR

The road to the house of your dreams can be shorter. The BCR REAL ESTATE LOAN rids you of additional expenses, and you will be left with all the time in the world to imagine your dream home. Change the story! Turn your hectic life into a rich one, at home.

You can choose the house from

a varied range of real estates

You can borrow

up to 85% of the investment value

You can benefit from

a lower interest compared to a standard offer


  • We offer you both the house, and the money you need
  • You can choose the desired house from a varied range of real estates – apartments and houses plus land 
  • The real estates are in the bank’s property, and consequently, the buying process is simpler and faster, without any real estate agents and with less expenses


  • lower interest compared to a standard mortgage loan
  • ZERO credit analysis fee
  • ZERO credit management fee
  • ZERO early repayment fee
  • ZERO cost of real estate valuation
  • ZERO foreign currency exchange rate risk as long as your income or resources securing credit repayment are in the same currency as the contracted credit.


  • we offer you the chance to also sign at BCR premise the real estate insurance policy for the whole lending period with OMNIASIG VIG
  • you can choose a special current account to run the credit, which is not fee-bearing and which allows only drawings from and repayments for the credit, enabling you in this way to pay your installments safely and comfortably.


  • NO need of income documents, as the information is obtained from ANAF data basis.


Destination: we give you the loan to purchase a house in property of BCR or of BCR Group

Currency: RON                    

Minimum amount: RON 44,000

Maximum amount: we offer you up to 85% of the investment value

Maximum term: 30 years

Minimum down payment:

  • between 15% and 25% of investment value depending on the locality the real estate*

* for the real estates located in the localities shown in the table below the minimum down payment is of 15%

For the real estates in other localities on  Romania’s territory than those shown in the table below, the minimum down payment is 25%









Târgu Jiu


Alba Iulia, Aiud, Sebeș


Miercurea Ciuc




Deva, Hunedoara, Brad


Mioveni, Piteşti


Iaşi, Ciurea, Miroslava, Valea Lupului






Bragadiru, Chiajna, Chitila, Măgurele, Otopeni, Popeşti Leordeni, Ştefăneştii de Jos, Voluntari, Berceni, Dobroești, Mogoșoaia, Tunari, Balotești, Buftea, Corbeanca, Domnești, Pantelimon, Vidra


Oradea, Santandrei


Târgu Mureş, Ludus, Sighișoara


Braşov, Săcele, Sanpetru, Râșnov


Câmpina, Ploieşti, Sinaia




Râmnicu Vâlcea


Cluj-Napoca, Floreşti, Turda, Apahida, Dej




Constanţa, Mangalia, Năvodari, Valu lui Traian


Cisnadie, Şelimbăr, Sibiu


Sfântu Gheorghe


Timişoara, Dumbrăviţa, Giroc, Moşnita Noua, Sag





Real estate guarantees: the credit granting requires the establishment of real estate guarantees in favor of BCR as follows:

  • Mortgage established in favor of the bank over the building bought from credit and, if the case, a supplementation over another building.          

Good to know:

  • To bring a real estate as guarantee in BCR favor the respective real estate has to be valued by an authorized valuator, member of the National Association of Authorized Valuators of Romania.
  • The valuation implies the payment of a valuation fee, which depends on the tariff practiced and communicated by the valuator. The valuation payment is done either to BCR, or directly to the valuator, depending on your option for the valuation performance: through a valuator who signed a collaboration contract with BCR, or by your preferred valuator who will sign a services contract with you.

Mandatory Insurances

  • Mandatory dwellings insurances (PAD), assigned in favor of BCR.
  • Optional building/buildings insurance which stands for the credit guarantee, assigned in BCR favor; we come to your support and offer you the chance to sign at BCR premise the optional building insurance, for the whole lending period, with  OMNIASIG VIG, although you can also chose another insurance company.

Optional Insurances

  • Life insurance (against payment)  if the eligibility conditions set up by the Insurer are met
  • Complex insurance (against payment),  supporting you in case of unemployment, extended medical leave and total and permanent disability (if the eligibility conditions set up by the Insurer are met)
  • Insurance for serious diseases and partial and permanent disability (against payment),  supporting you in case of risks occurrence of  myocardial infarction, cancer, cerebral vascular accident, partial and permanent disability (if the eligibility conditions set up by the Insurer are met)

Good to know:

To conclude the insurances, you can choose any insurance company authorized by the Financial Supervisory Authority (former Insurances Supervisory Commission).

Credit repayment:

is done in monthly total installments, equal or decreasing, in a standard current account or in a current account for credit running, depending on your option.

Good to know:

During the credit contract running, you can at any moment repay in advance, totally or partially the credit. We recognize this right without imposing you the condition to pay a certain minimal amount or a certain number of installments. In case of partial anticipated repayment, you have the right to choose between:

(1) reduction of monthly installment and keeping the initial lending period,

(2) keeping the monthly installment value and reduction of initial lending period, and

(3) reduction of monthly installment value and the initial lending period.





Mortgage loan to purchase real estates in property of BCR/other units within BCR Group

Total credit value

RON 180.000

Tenor of credit contract

30 years

Number of installments




(ROBOR 6M = 2.02%)

5.02%/year (ROBOR 6M + 3%)

Credit analysis fee


Credit management fee


Valuation cost




Total credit cost

RON 168,653

Total payable value

RON 348,653

Monthly installment

RON 968

 **DAE is calculated in the presented conditions and  it does NOT include the following costs/fees:*The variable interest is made of the reference index ROBOR at 6 months (ROBOR 6M), plus the flat margin/year (at the percentage shown in the table). Thus, the variable interest rate is changing half-yearly, independent of BCR will, depending on the evolution of the Reference Index ROBOR at 6 months. As a result of this fluctuation, the value of your monthly installments will rise or fall.

Cost of mandatory insurances, respectively:

  • Mandatory dwellings insurance (PAD)
  • Optional insurance of the building/buildings standing for the credit guarantee

Costs charged by third parties, which are not known by BCR:

  • Notary’s fees for authentication and registration taxes of the selling-buying contract in the land register
  • Cost of guarantee valuation by a valuator who is not contracted by BCR, according to your option.

Fees charged by BCR, for services performed at your request:

  • Sole fee: RON 90 for the services performed included on the request date of the borrower/co-payer/co-payers in the list of tariffs and services displayed at BCR premise.

In case you choose for a total or partial anticipated repayment of the contracted credit, the anticipated repayment fee will be 0.

Penalty interest: is the interest you will have to pay if you did not pay the amounts due to BCR at the agreed due date by the credit contract.

For the cost of other services than those shown above, please, see the Standard Fees Tariff practiced by BCR, available in any BCR unit.

How to obtain it

Here are the steps that you need to take to obtain a loan:


We present you the list of real estates BCR put on sale. 

You can either decide on the spot about the desired home, or you can get first the credit financial approval and than you have 90 days to decide what is the home you want. Even if you do not have all the documents, you can come and ask about the lending conditions and even get a customized calculation. In that case, you will receive from BCR the “European Sheet for Standardized Information" which includes all the information you need to decide about your credit


You come with all the documents

regarding the income for the analysis and we verify if you meet the conditions for the requested amount/the amount you are entitled to 


We inform you if the loan was approved or rejected


After the credit approval, you sign

the credit contract, the guarantee contracts, the real estate insurance policy as well as the “European Sheet for Standardized Information” etc. 


We put the money

in the current account from which it will be transferred into the seller’s account (BCR/ BCR Group)


The main documents regarding income achievement requested to customers

The clients whose income is reported to ANAF and collected by the client in the current account with BCR:

  • No income related documents (except the conclusion of an Inquiry agreement for ANAF);
  • In the event of income from salaries, the bank can additionally request a statement from the employer concerning the Income certificate in the following cases:
    • persons employed for a determined period or
    • customers working with their current employer for less than 12 months
  • In case the current income is higher by over 20% than the income of the previous year, BCR will request additional documents. 
  • In the event of income from pensions, it is required to submit the Permanent retirement decision

Customers not reporting their income to ANAF:

  • Customers for which the income from salaries is not reported to ANAF (employees of MAI, MApN, SRI, SIE, SPP, Police, Gendarmerie, employees of penitentiaries or other entities with special designation)
    • Income certificate (whether or not the salary is cashed into a BCR account)

Customers for which the income from pensions is not reported to ANAF

  • Recent pension slip or current account statement
  • Permanent retirement decision

BCR also admits for calculation other types of income: income from client’s independent activities, other income for determined period collected by natural persons (from other sources0, income from individual labor agreements/boarding contracts of navigators, other income (life annuity, doctor’s scholarships, post doctor’s scholarships, etc.). 


Good to know

  • The mortgage loan to buy a real estate in property of BCR- BCR Group is granted in RON, but if your income, or, by the case the resources securing the credit repayment are in another currency at the moment of credit contracting, or are changed during its execution from RON into another currency, we inform you that you are, or by the case, can be exposed to a foreign currency exchange rate risk. In that case, the possible fluctuations of the foreign exchange rate could affect your monthly payment obligations.
  • Your income can vary during the credit tenor. That is why, a prudent conduct is extremely important; for instance, it is important to make sure you will be able to repay your monthly installment even if your income goes down.
  • During the period the interest applicable to your credit is variable, according to those mentioned above, the variation of ROBOR 6M index could change your monthly payment obligations.
  • The default payments, according to your contractual obligations, could have serious consequences, starting from the report to the Credit Bureau and the Credit Risks Central Office, with all the consequences derived from that and reaching to the foreclosure both of the goods brought as guarantee, and of your patrimony and/or of your co-Payer and/or Guarantor in case the amount resulting from the guarantee execution is not enough to cover the whole receivable.

Banca Comercială Română S.A.

Company managed in dual system 

No. 5,Blv. Regina Elisabeta,

District 3, Bucharest, code 030016

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