It's time to have your house the way you want it, and we're with you! Apply for a Noua Casă loan at BCR and turn your dream into reality. Here's what we offer:
GIFT FOR THE NEW HOUSE 7% discount on Ajusto for arrangements. See details
Reduced costs You reduce the cost of obtaining the loan and benefit from a long period of loan.
Safety assured You get life and unemployment insurance. This way you protect yourself and your family.
Simplified process You do NOT need all the income documents. We obtain the information directly from the ANAF database.
Pay online You can pay the installments without going to the bank, using George, the first intelligent banking.
What is Noua Casă Loan
Here are the steps you need to take to get a New Home loan
The Noua Casă real estate loan program replaces the Prima Casă Program, dedicated to individuals, who meet the legal criteria for the loan and the BCR eligibility conditions. Why apply for a Noua Casă Loan?
You pay the rates in RON, so you will not be affected by currency exchange fluctuations;
You have an interest rate of 3.08% per year (2% + IRCC), it is variable and is calculated according to the Reference Index for Consumer Loans (IRCC) published on the last working day of each quarter on the website of the National Bank of Romania, where a fixed margin of 2% is added.
Maximum term of 30 years;
Minimum down payment of 5% for homes worth up to EUR 70.000 and minimum of 15% for homes worth between EUR 70.001 and EUR 140.000
Maximum amount that can be offered:
EUR 66.500 (RON equivalent to the NBR exchange rate valid at the date of concluding the pre-sale contract) for old buildings (completed / consolidated more than 5 years before the loan application date) or new buildings (completed / consolidated less than 5 years before from the date of application for the loan) for which the sale-purchase price is less than or equal to EUR 70.000.
EUR 119.000 (RON equivalent to the NBR exchange rate valid at the date of concluding the pre-sale contract) only for new buildings (completed / consolidated less than 5 years before the loan application date) for which the sale-purchase price is between EUR 70.001 and 140.000 EUR.
What kind of home can you buy
Sale-purchase price below 70.000 EUR
old buildings, completed / consolidated more than 5 years before the loan application date;
new real estate, completed / consolidated less than 5 years before the loan application date;
Down payment 5%;
Maximum loan limit: EUR 66.500;
Maximum loan period: 30 years;
Sale-purchase price 70.001 - 140.000 EUR
new real estate (completed / consolidated less than 5 years before the date of application for the loan) for which the sale-purchase price is between EUR 70.001 and EUR 140.000;
Minimum down payment 15%;
Minimum loan limit: EUR 59.501;
Maximum loan limit: 119.000 EUR;
Maximum loan period: 30 years;
How much does it cost you?
For file analysis.
Minimum down payment 5%
if the total value of the property does not exceed 70.000 EUR, calculated in lei at the exchange rate on the day of analysis.
Minimum down payment 15%
if the total value of the property is between 70.000 - 140.000 EUR, calculated in lei at the exchange rate on the day of analysis.
to guarantee the interest, open on the value of 3 interest rates.
1) Identity documents (for you, your spouse and, as the case may be, for the persons who participate with their income on the loan, called co-payers);
2) Documents attesting the realization of incomes *.
3) The statement on your own authenticated responsibility, that at the date of the loan application, you do not own, in exclusive ownership or with your spouse, any home, regardless of how or when it was acquired, or you own exclusively or with your spouse not more than one dwelling, acquired by any way other than through the Program, in a usable area of less than 50m²
4) Specific documents:
Preliminary contract for the sale-purchase of the building;
The deed of ownership over the real estate that is the object of the sale (copy);
The declaration on the seller's own responsibility, according to Law 10/2001, that the respective real estate is not claimed and that there are no disputes related to it;
Excerpt from the cadastral documentation (copy);
Energy efficiency certificate;
Original excerpt of the land book;
If your income is reported to ANAF
No income documents (only signing the Interrogation Agreement at ANAF);
In the case of pension income, it is necessary to present the final retirement decision.
If your income is not reported to ANAF
If you are in one of the categories of employees who do not report income to ANAF (eg employees of the Ministry of Interior, Ministry of National Defense, SRI, SIE, SPP, Community Police, Gendarmerie, employees of penitentiaries or other special units), we need:
Salary certificate (only if you do not collect the salary in BCR account).
If your pension income is not reported to ANAF
Pension coupon not older than 2 months or account statement (only if you do not receive the pension in the account at BCR);
Final retirement decision;
We grant you the loan based on:
Establishing a first rank mortgage in favor of BCR and the Romanian State on the real estate purchased through credit;
Establishing a real estate mortgage on the credit balances of all accounts opened with BCR;
Establishing a collateral deposit in favor of BCR, corresponding to 3 interest rates and valid and unavailable for the entire duration of the financing.
You must have:
Mandatory home insurance (PAD) assigned in favor of the Romanian state, represented by the Ministry of Public Finance and the bank, for the entire crediting period;
Optional insurance of the real estate purchased on credit, assigned in favor of the Romanian state, represented by the Ministry of Public Finance, and the bank, for the entire crediting period;
Ensuring construction-assembly works for the house under construction;
Here are the steps you need to take to get a Noua Casă Loan
Ne prezinți documentele necesare analizei, iar noi verificăm dacă îndeplinești condițiile pentru suma solicitată.
Submit all documents and sign the credit application.
You pay the appraisal fee, an external appraiser, approved by the bank, will evaluate the property you want to pledge, and we will inform you if the loan has been approved and if you receive the credit offer.
After the Bank approval, the endorsement is obtained from FNGCIMM, and after the approval from FNGCIMM, you sign the credit agreement, the guarantee contracts and conclude the insurance policies.
We offer you the money in your current account, from where it will be transferred to the seller's account.