Banca Comercială Română (BCR) continues cutting fixed interest rates chargeable on “Casa Mea” mortgage loan in RON.

More specifically, as of this very week, interest rates chargeable on “Casa Mea” mortgage loan in RON are decreasing to 4.95%/year, while the interest rate is fixed for the first 5 payback years, followed by a 4.65% variable interest rate (ROBOR 6M + only 3.00%).

For “Casa Mea” mortgage loans in RON with a fixed interest rate over the first 10 years, the interest rate decreases to 5.45%/year, followed by a 4.65% variable interest rate (ROBOR 6M + only 3.00%).

BCR does not charge monthly commissions. Also, the bank’s application processing fee for the loan is ZERO.

For customers who do not have a salary/pension account with BCR, the interest rate for mortgage loans is only 0.2% higher.

Dana Demetrian,
Vice-President of BCR Retail & Private Banking

“BCR’s strong financial resources and excellent liquidity allowed us to continue decreasing interest rates chargeable on mortgage loans in RON, in order to meet customers with one of the best offers. We went below the psychological threshold of 5%/year for offers with fixed interest rates over the first 5 years and less than 5.5%/year for offers with fixed interest rates over the first 10 years. At the moment, fixed interest rates for BCR mortgage loans represent a serious competition for all the other offers available on the market. Moreover, our offer regarding a fixed monthly interest rate helps customers take control over their monthly expenditures, which is an essential element when making the correct decision”, stated Dana Demetrian, Vice-President of BCR Retail & Private Banking.

BCR is the first bank in Romania which decided that, beginning with October 2012, it will grant loans only in the currency in which the customers receive their income.


Example of a calculation only valid in May 2015 to customers who receive their income in a BCR account, for a “Casa Mea” credit totalling RON 160,000, with a 30-year payback time: DAE = 5.31%; fixed interest rate of 5.45% covering 10 years with a variable rate: 4.65%/year (ROBOR 6M + 3%); ZERO lei application processing fee; apartment evaluation fee: RON 370; total payable value: RON 311,593.27; total credit fee: RON 151,593.27.

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 509 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 2,000 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 45,000 bank officers working in 2,800 branches in seven countries (Austria, the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia) assist 16.2 million customers. Erste Group reported a total asset pool worth €196.3 bn. and a 55.1% cost-to-income ratio at the end of  2014. First-ranking common equity index (Basel 3 implemented partially) was maintained at 10.6%.

BCR – External Communication 

Cezar Marin, e-mail:

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