Installments in lei with a 2.86% interest per year (ROBOR 3M + 2%)*
No analysis fee
No currency risk
Financial approval valid for 90 days; in the event that you didn't find any real estate property that you wish to purchase, we will approve your loan and you will have 90 days after concluding the loan agreement to find your home.
*The interest is variable and is calculated depending on the ROBOR 3 month reference, published on the last working day of the previous month, to which a margin of 2% is added.
Iată care sunt paşii pe care trebuie să-i urmezi pentru obţinerea creditului:
Bring us the documents required for analysis
and we will verify if you meet the conditions for the requested amount
Submit all the documents, receive the "Standardized European information for consumer loans"
and sign the loan application
After paying the analysis fee, an external assessor agreed by the bank will make an assessment of the real estate property nominated as a guarantee,
and we will inform you if the loan has been approved
After the Bank has approved the loan, you can get approval from FNGCIMM (National Guarantee Fund for SMEs)
and, pursuant to such approval from FNGCIMM, you will sign the loan agreement, the security agreements and conclude the insurance policies
We will provide the money in your current account,
where you can use it to make transfers into the account of the seller, contractor, supplier for materials etc., as applicable
Identity documents (for you, your family members and, as applicable, for people co-signing the loan with their income);
Marriage certificate or divorce order, as applicable (in copy)
Documents certifying income
Customers reporting their income to ANAF:
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 length of the individual labor agreement in the following cases:
persons employed for a determined period or
customers working with their current employer for less than 12 months
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)
Statement from employer (for customers receiving their salary into a BCR account)
Income certificate (for customers not receiving their salary 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
Property deeds for the real estate property nominated as guarantee - depending on the destination of the loan (such as copies of the property deed registered with the Real Estate Register, copies of the cadastre documents).
Documents certifying the advance: sale-purchase pre-agreement, receipt authenticated by a Notary etc.
Documents relating to other loans/credit cards/overdrafts from other banks, if applicable
Authenticated statutory declaration stating that, upon the date of requesting the loan, you do not own any real estate property, exclusively or with your spouse, regardless of the manner or the time it was obtained, or that you own no more than one property, exclusively or with your spouse, obtained in any other way than under this Program, with a net area smaller than 50m2
Specific documents, depending on the destination of the loan: purchase or construction of real estate etc.
For example, if you wish to buy a home, you will be asked for:
The property's sale-purchase pre-agreement
The property deed for the real estate under the scope of the agreement (in copy)
Statutory declaration of the seller, according to Law 10/2001, concerning the fact that such real estate assets are not under claims or any disputes
Excerpts from the cadastre documents (in copy)
Energy efficiency certificate
Ask the BCR representative for a full list of documents required to obtain a loan, customized depending on the destination of your loan!
There are so many things you must be aware of when buying a home. The area, the finishing, layout and many more. Apply for a CASA MEA loan from BCR, with fixed installments for the first 5 years, and you can take care of your more important choices.