Banca Comercială Română (BCR) is extending the fixed-interest period for “Casa Mea” mortgage credits to 10 years, with an interest of only 5.95% for clients who have or will have their income/pension paid in a BCR account, and with NO application processing fee. For clients who do not receive their income in a BCR account, the interest increases by only 0.2%.

“During the last few years, BCR has focused on removing risks associated with credits, specifically forex and interest fluctuations. As long as we offer our clients attractive fixed interests, they will prefer to protect themselves against the interest-related risk for as long as possible. BCR started with a 3-year fixed interest, then a 5-year one, and now it takes another major step with a 10-year fixed interest. Over 80% of our clients chose the “Casa Mea” mortgage credit in 2014 with a 5-year fixed interest. Considering the extended period of up to 30 years granted for mortgage credits, we wish to offer our clients predictability for as long as possible. This is why, beginning this month, we will offer our clients the possibility to know, from the very moment they are granted the credit, how much they will pay every month over the next 10 years. This offer is unique on the Romanian market and we are certain that in time, it will become our client’s favourite option”, stated Ioana Mihai, Manager of the BCR Granted Credits Department.


The calculation example for a “Casa Mea” credit totalling RON 160,000, covering 30 years: DAE = 6.14%, with a 10-year fixed interest of 5.95% which will vary afterwards: 5.96%/year (ROBOR 6M + 3.95%); application processing fee: RON ZERO; apartment evaluation fee: RON 370; total amount payable: RON 344.046,47, total credit cost: RON 184,046.47 lei. This example is valid during January 2015 for clients who have their income paid in a BCR account.

Banca Comercială Română (BCR), a member of Erste Group, is the most important financial group in Romania, providing universal banking operations (retail, corporate & investment banking, treasury and capital markets), and covering specialty companies working on the leasing market, private pensions and housing banks. BCR is Romania’s No. 1 bank in terms of asset value (over 14,4 €bn.), in terms of client base and in terms of savings and crediting. BCR is also Romania’s most important financial brand, judging by the client trust rate and by the number of persons who consider that BCR is their main banking partner.

BCR uses a network of 22 corporate business centres and 23 mobile offices dedicated to corporate clients, and 538 retails units located in most communities inhabited by at least 10,000 citizens to provide a full range of financial products and services. BCR is Romania’s No. 1 bank running on the banking transactions market, since BCR customers have the largest ATM network at their disposal – nearly 2,050 ATMs and 13,500 POS terminals enabling customers to use their cards for shopping purposes, as well as the complete Internet banking, mobile banking, phone-banking and e-commerce services.

Erste Group is one of the main suppliers of financial services in Eastern European Union. About 44,000 bank officers working in 2,800 branches in seven countries (Austria, the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia) assist 16.5 million customers. Erste Group reported a total asset pool worth €197.0 bn. and a 54.4% cost-to-income ratio at the end of Q3 2014. First-ranking common equity index (Basel 3 implemented partially) was maintained at 10.8%.

BCR – External Release 

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