Habitat Loan
1. How much would you like to borrow? LEI
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45000

2400000

2. Over how many months do you want to pay the loan?

3. I want to collect my income into a BRD account

4. Upfront payment

5. The EPC for the real estate brought under warranty

6. Repayment methods

First rate

0 LEI

Total payment amount

0 LEI

DAE

0 %

Interest rate

0

See due date

Pasi

ACQUIRE LOAN IN
5 SIMPLE STEPS

01

Choose the one that suits you best

You can opt for variable or fixed interest throughout the loan period, or for fixed interest in the first 3 years of lending and then variable. Calculate the rate HERE.

02

Pre-approval
loan

if you have not found the property you want, you can obtain pre-approval of the loan, valid for 90 days based on your income documents.

03

Find your
perfect home

You can use the guarantee account to pay the advance of the pre-contract (Escrow account). This ensures that you can recover your advance without any problems if necessary.

04

Final approval

After finding the building, you bring the property documents to the bank for the assessment of the building and obtaining the legal opinion. If all is well, you receive the final approval of the loan.

05

Contract signing

After finding the building, you bring the property documents to the bank for the assessment of the building and obtaining the legal opinion. If all is well, you receive the final approval of the loan.

All good things come with the right loan

Advantageous interest rates

If you bring a down payment of at least 20% and the property's performance class is A. Interest rates adapted to your needs: you can choose between a fixed interest rate for 3 years from 4.90%, subsequently variable IRCC+2.29%; variable interest for the entire period from IRCC+2.25% or fixed interest for the entire credit period from 7.99%.

Free evaluation

you benefit from the free real estate appraisal, when the appraisal is performed by a bank-approved appraiser.

Additional amount

You can access an additional amount of maximum 20% of the value of the loan, to cover some expenses related to the real estate investment (notarial expenses, the valuation, the modernization of the house purchased from the loan).

Minimum down payment 15%

If you are buying your first home, a down payment of at least 20% brings you better interest rates

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Beneficii

WE TELL YOU EVERYTHING YOU NEED TO KNOW

What does the Habitat loan offer you?

The Habitat loan is a mortgage-real estate loan for the purchase, construction, renovation, modernization of the building, guaranteed with a real estate mortgage.

  • Currency: RON;
  • Lending period: maximum 360 months;
  • Interest rate - you can choose between fixed or variable interest for 30 years or fixed for the first 3 years and then variable for the entire loaning period;
  • Advance of 15%;
  • The maximum amount depends on the value of the building (s) you choose to bring under warranty in the collateral, but also the type of interest;
  • Example: the maximum amount to which a client with an income of 8,000 lei, contracting a 30-year fixed-interest loan from BRD, with an interest rate of 6.75% (for buildings with energy efficiency class A, downpayment >=20% and income domiciliation at BRD) is 54,300 lei higher compared to a loan with 4.9% fixed interest for 3 years, IRCC+2.3% afterwards. Exemplu calcul
  • You can opt for a period of partial grace, during which time no capital is paid, up to 12 months in the case of construction loans and 6 months in the case of completion / extension / modernization / rehabilitation / home consolidation;
  • The loan can be mortgage or real estate: you can guarantee the building you want to buy, build or another building.
  • Preferential interest if you choose to collect your salary on account at BRD;
  • You benefit from a free real estate appraisal when the appraisal is performed by a bank-appointed appraiser;
  • Assurance that you can recover, if necessary, the advance paid to the seller, through the escrow account (optional and free service);

A wide range of incomes is accepted: salaries, pensions, dividends, royalties, rents, incomes from independent activities. You can get a larger amount if you also bring the maximum of 3 co-borrowers

Without income proof, if you are employed and have the income registered with ANAF. In case the information recovered from ANAF is incomplete / not recorded, we will ask you for supporting documents of income. Income statement template

You are safe throughout the entire loan period by completing life insurance that gives you and your family protection in the event of unforeseen events (total and permanent disability due to accident or death due to any cause). The policy is compulsory and ends when the loan agreement is signed, for the entire loan period.

In addition, it is necessary to conclude a home insurance policy/policies for collateral/collaterals. This insurance can be issued with BRD Asigurari Generale or other Insurer, depends of your options.

BRD Asigurari Generale offers to the clients various types of home insurances:
-Mandatory home insurance (PAD)
-Optional home insurance (fire and other calamities)

Additional, clients who contract optional insurance can attach 2 new types of insurances:
-Additional insurance for goods inside the house
-Civil liability

PID document home insurance-assets

download

PID document home insurance-civil liability

download

PID document home insurance

download

LID document life insurance

download

Fees and Commissions

Habitat Loan RON Presentation

Habitat Loan EUR Presentation

HOME. THE PLACE IN WHICH YOU CAN BE WHO YOU WANT TO BE, ANY TIME.

HOME. THE PLACE IN WHICH YOU CAN BE WHO YOU WANT TO BE, ANY TIME.

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Representative example valid on 01.11.2024, calculated for the financing of a home through a Habitat loan, for which the property brought as a guarantee has a class A energy performance certificate, in the amount of 264,000 Lei, granted with a minimum 20% advance, on 30 years and repaid in 360 equal monthly installments, with the collection of the income in the BRD account: fixed interest of 4.90%/year in the first 3 years and then variable 2.29% + IRCC*, DAE 8.06%, the value of the first monthly payment amount 1,488.24 lei, the total amount payable: 702.410,86 lei (may decrease as a result of advance repayments), which includes a file analysis fee 650 lei, a monthly administration fee for the current account associated with the loan zero lei (cost valid on the period of holding a package of products and services), mandatory life insurance 0.033% per month charged to the credit balance (if you opt for the insurance distributed by BRD, as an affiliated agent of BRD Life Insurance Insurer). The cost of appraising the mortgaged property is zero lei if the appraiser is appointed by the bank. Property insurance (compulsory) depends on its value. The loan is secured by real estate mortgage. If the income is not collected in the BRD account, the interest becomes 5.16% fixed interest in the first 3 years from the granting of the loan and 2.54% + IRCC thereafter, and if you renounce the package of products and services, the administration fee monthly current account becomes 8 lei. Details on product and service packages can be found on brd.ro/en/individuals/cards-and-accounts/daily-banking/services-packages.

The annual interest is composed of the margin + IRCC. IRCC valid from 01.10.2024 to 31.12.2024 is 5.99%.

Before making the decision to borrow, analyze the characteristics and implications of the loan. Make sure you understand the risks associated with credit agreements, mainly regarding the fluctuation of your income, the variation of benchmarks in the case of loans with variable interest or the currency risk, if the income obtained is in a currency other than that of the loan . The consequences of non-repayment can be reporting to the Credit Bureau and the Credit Risk Center, as well as the initiation of recovery procedures.

Commissions and interest