Mortgage/Housing Loan - Pentru Acasa Loan

When it comes to your home, you want to have the comfort of the best options. So we offer a complete package of benefits:  Pentru Acasa Loan.

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Your benefits:

  • Reduced Interest Rate
  • Free valuation report 
  • Long reimbursement period
  • You receive a housewarming Gift Voucher of 2,000 lei available in partner stores or you can benefit from the “installment payment holiday” option;
  • You can choose to receive your income through ”Eu salariat” Package and you will pay your installment without any effort
 

Beneficiaries

The beneficiaries are Romanian and foreign individuals, it is mandatory for the collateral to be registered in Romania.

Features
Purpose of the loan: 

  • Purchasing / renovating /expanding / consolidating/ building a flat or a house 
  • Refinancing a mortgage / housing loan 

Loan amount: 

  • Minimum EUR 10,000 (RON equivalent)
  • Maxim EUR 250.000 or RON equiv, based on the  accepted collateral value and location, but not higher than:

Currency/Tenor

Primary residence

Secondary residence/other

Apartments

Houses

<=25 years

>25 years

<=30 years

>30 years

RON

85%

75%

80%

75%

62%

EUR

65%

57%

52%

 

 

 

Loan Tenor: 5 - 35* years                                                                                                                          

* in case of "payment holiday" option maximum loan tenor is reduced by 5 months

Currency: EUR, RON

Interest rate

Currency

Reference Index

Fixed margin valid for customers with payroll account in Bancpost

Fixed margin valid for customers without payroll account in Bancpost

RON

ROBOR 3M

3.00%

3.25%

EUR

EURIBOR 3M

5.50%

5.75%


Fees

  • Loan file analysis fee: 400 EUR for loans in EUR or 900 RON for loans in RON. For refinancing loan applications received between 01.07.2017 - 31.12.2017 the loan file analysis fee is zero. 
  • Monthly Loan administration fee: 0% 
  • Early repayment fee: 0% 
  • Current account monthly administration fee: EUR 1 / RON 3.5
  • Unique fee for post disbursement amendments(if case): RON 250
  • Valuation fee - RON 449,82 - apartments/RON 549,78 - houses/ RON 499.80 - lands. The valuation fee related to the first assessed property will be refunded to the customer after the loan is granted.

*Refunding of the valuation fee corresponding to the first assessed property will be made only if the loan is granted.

The repayment can be performed in two ways:

  • Equal installments - annuities (annuity = monthly payments including principal and interest)

Collateral

  • 1st rank mortgage in favour of the Bank (property owner – Borrower and/ or wife/spouse of the Borrower) 
  • Property and life insurance assigned in favour of the Bank

Technical terms for mortgage loans


At home, with a gift of 2000 lei voucher for your new house!

Take now your Mortgage/Housing loan and between 1.07.2017 – 31.12.2017 we give you a 2 000 lei voucher gift for the refurbishment your new house, or you can choose to have a break from paying the monthly installment (“payment holiday”).

The 2 000 lei voucher is available on the following  merchant’s network: Altex, Elvila and Media Galaxy.

Terms & Conditions here.

Benefits

  • Loan file analysis fee is zero for refinancing loan applications received between 01.07.2017-31.12.2017
  • Atractive interest, starting from ROBOR 3m + 3.00% for customers with income transferred in Bancpost account 
  • The monthly administration fee is ZERO 
  • The interest is expressed based on a transparent international banking indicator: 3 months Euribor or 3 months Robor 
  • Long reimbursement period of up to 35 years