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.

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 35% of investment value depending on the locality the real estate* and customer profile

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








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.
  • By way of example, but not limited to, the following properties are not accepted under the guarantee by BCR:
    • Real estate classified as seismic risk Class I and II Rs I / Rs II, based on the list drawn up by the City Hall or authorized expertise. All buildings registered in other classes of earthquake risk (Class 3 and 4) may be accepted under warranty. If a building is technically but not classified in a seismic risk class or is registered in a seismic risk emergency category (U1, U2, U3) then the building should be classified as seismic risk class (risk class 1, 2, 3 or 4). This classification must be carried out by an expert in technical expertise.
    • Flats with low comfort (III and IV), non-functional housing (example: no kitchen, shared bathroom, etc.). The minimum useful areas to be considered comfort II or superior are: for a room (studio) - min. 23 sqm; for 2 rooms - min. 36 sqm; for 3 rooms - min. 48 sqm; for 4 rooms - min. 60 sqm; for 5 or more rooms, 10 sqm for each room will be added to the required minimum floor area for 4 rooms. The subunit values ​​are mathematically rounded (0.5 or greater is rounded up, and below 0.5 it is rounded down). These minimum areas do not include the balcony / log surface.
    • Buildings for which insurers refuse to conclude insurance policies or for which insurers impose additional clauses / additional franchises or exclusions of insured risks.

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 170.000


Tenor of credit contract

25 years


Number of installments





(Reference index for loans granted in national currency:

(IRCC) = 2.36%)

5.95%/year flat in

the first 5 years

and variable for the rest of lending period:


(IRCC + 3%)

6.45%/ year flat in the first 10 years

and variable for the

rest of lending period:

5.36%/ year

(IRCC + 3%)

Credit analysis fee



Credit management fee



Valuation cost






Total credit cost

RON 144.737

RON 158.865

Total payable value

RON 314.737

RON 328.865

Monthly installment

RON 1,090

in the first 5 years,

later RON 1.039

RON 1,143

in the first 10 years, later RON 1,065

Offer is valid until 30.06.2019

* The current interest applicable to mortgage credit is flat during the first 5 years or during the first 10 years, depending on your option and variable for the rest of the lending period.

You have fixed rates in the first 5 years, or in the first 10 years, as the case may be; you know how much you pay monthly, you can plan your budget well and you are protected during this period against the fluctuations of the reference index for loans granted in national currency (IRCC).

The variable interest is made of the reference index for loans granted in national currency (IRCC), plus the flat margin/year (at the percentage shown in the table). Thus, the variable interest rate is changing quarterly, independent of BCR will, depending on the quarterly evolution of the reference Index for loans granted in national currency (IRCC). As a result of this fluctuation, the value of your monthly instalments will rise or fall.

The floating interest rate for loans in RON currency is calculated depending on the reference index for loans granted in national currency (IRCC)  quote and represents the interest rate calculated on the interbank market transactions in accordance with the applicable legal provisions. IRCC is published in the last working day of each quarter on the National Bank of Romania's website and also on the BCR website ( and in all BCR branches.

The reference index for loans granted in national currency (IRCC) and your income may vary during the credit period. Thus, if the reference index increases or your income decreases, credit obligations may increase. Therefore, before deciding to borrow, carefully analyze the implications of the loan and make sure you can repay it on time.

**DAE is calculated in the presented conditions and  it does NOT include the following costs/fees:

  • Costs of mandatory insurances on the building and the optional insurance, respectively:
    • Mandatory dwellings insurance (PAD)
    • Optional insurance of the building/buildings standing for the credit guarantee
    • Complex insurance
    • Optional insurance for severe diseases and partial or permanent invalidity
  • 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 and the mortgage contract
    • Cost of guarasntee 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 displ;ayed 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 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)

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 reference index for loans granted in national currency (IRCC) 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 

Bucharest, 15th Calea Victoriei, 3rd District, Postal Code 030023

You might also be interested in