Banca Comercială Română (BCR) provides real estate borrowers and mortgage borrowers with an opportunity to enjoy a better interest rate which is equivalent to the current market average, i.e. 4.95%/year, as well as with a chance to have a fixed interest for 5 years. After that time interval, the interest will be calculated based on the EURIBOR rate + 3%. For the mortgage-based consumer credits, the interest is 1% higher.

This offer is devoted to all those who have an ongoing real estate credit/mortgage-based credit/consumer credit backed by a mortgage.

We are heading towards a balance in between the financial results and the relationship with customers. We are different from what we used to be three years ago, we have a new business philosophy that can be seen in the steps that we are taking. BCR is fully committed to being a long-term partner to customers and get adapted to the challenges of the current economic context, inter alia by finding the commercial solutions that are most suitable to customers. We started by listening to customers more and we have even created a special unit which is devoted to improving the experience of customers. We have permanently worked on improving the financial education of our customers and these efforts have been crowned by publishing a Responsible Lending Guide in hundreds of thousands of copies, which we prepared co-operatively with the Association of the Romanian Users of Financial Services”, said Ms. Dana Demetrian, Retail&Private Banking Vice-President, BCR.

For the BCR customers, apart from the 20% reduction in the monthly instalments, the bank also provides a quick clearance flow, with simpler documents that only involve one visit at the bank, zero commissions and a free life insurance for the entire duration of the credit.

We are taking one more step ahead, probably our most important one in our relationship with customers and we provide them proactively to those who have shown good faith and interest in a long-term partnership with the bank by paying the instalments on time, the opportunity to enjoy instalments that are up to 30% lower with just one visit to the Bank, without an additional analysis of incomes or guarantees”, Ms. Dana Demetrian also said.

 In order to be able to enjoy these opportunities, BCR customers who have mortgage-based loans or real estate loans must approach the bank by calling the contact centre at 0800.801.227 or by visiting the specialised advisors.

In order to shrink the approval time, the bank has contracted the services of public notaries who will be available in BCR’s offices in order to make it easier to customers to sign all of the necessary papers.

The Bank’s offer also involves a free life insurance covering the entire payback time.

Example: Ileana took a credit of 51,250 euro in November 2007, for 30 years. She is still supposed to pay 269 instalments. The current interest rate is 10.10%. For the time being, she pays 403 euro/month. If she takes BCR’s offer (4.95%), she will have to pay only 264.5 euro/month.

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 devoted to corporate clients, and 509 retails units located in most communities inhabited by at least 10,000 citizens in order 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 46,500 bank officers working in 2,800 branches in seven countries (Austria, the Czech Republic, Croatia, Hungary, Romania, Serbia and Slovakia) assist 16.2 mn. customers. Erste Group reported a total asset pool worth €202,6 bn. and a 56.1% cost-to-income ratio at the end of Q1 of 2015. First-ranking common equity index (Basel 3 implemented partially) has improved to 10.2%.

BCR – External Communication 

Nicoleta Deliu, e-mail:

For more details about the products and services provided by BCR, please use one of the coordinates below to contact us:



Telverde: 0800.801.BCR (0800.801.227), toll-free from all national networks.