Installments in lei with a 3,97% 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 offer 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.
57,000 EUR in RON equivalent with loans granted for buying a housing unit, for which the handover protocol at the completion of the new construction or intervention works to consolidate and/or decrease the seismic risk, as the case may be, was signed more than 5 years before the date when the guaranteed loan is applied for
66,500 EUR in RON equivalent with loans granted for:
buying a new housing unit, for which the handover protocol at the completion of the new construction works was signed no later than 5 years before the date when the guaranteed loan is applied for
buying a consolidated housing unit, for which the handover protocol at the completion of the intervention works to consolidate and/or decrease the seismic risk was signed no later than 5 years before the date when the guaranteed loan is applied for
developing a future housing unit as an individual owner
Maximum maturity: 30 years
Minimum advance: 5%
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.
The loan is granted within the available funds allocated by the Ministry of Finance.
Here are the steps that you need to take to obtain a loan
Bring us the documents required for analysis
and we will verify if you meet the conditions for the requested amount
Submit all the documents
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 and give you the credit offer.
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 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 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
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 cadaster documents).
Documents certifying the advance: sale-purchase pre-agreement, receipt authenticated by 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 cadaster 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!