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Campaign for real estate loans

I. Campaign duration:

The campaign is valid from MAY 6th to July 30th, 2025.

II. Campaign conditions:

  • It is addressed to individuals who, during the Campaign period, may be clients or non-clients of GARANȚI BANK SA, and who
  • request a real estate loan at any Garanți Bank agency for the purchase of a property and/or the refinancing of a real estate loan that they already have outstanding at other banks*;
  • The requested loans can be granted in RON or EUR;
  • The maximum credit period is up to 360 months;

* This Offer remains valid only if the applicant’s eligibility conditions are met, i.e. if the application is approved during the Campaign period. The credit product may also be granted at a later date after the end of the Campaign.

III. Campaign offer

  • Property valuation cost – Free
  • Notary fees for mortgage contract authentication and ANCPI fee for tabulation: – Free

IV. Acceptarea ofertei:

  • At any time during the campaign, your Campaign may be terminated early, based on the decision of Garanți Bank SA or in case of force majeure. In the event of any of these cases, Garanți Bank SA will inform the participants through its territorial agencies as soon as possible.
  • The offer is considered accepted at the time of signing the documents, which attests to the intention to contract the loan.
  • For details regarding the processing of your personal data, please consult the Bank’s website at www.garantibbva.ro, section “Processing of personal data” or you can request them at any of the Bank’s Agencies; if you need more details regarding the processing of your personal data, you can also contact us at the e-mail address dpo@garantibbva.ro . .

V. Examples of APR calculation:

Real estate loan with free life insurance and salary collection – RON

The Annual Effective Interest Rate (AER) is 8.17%/year* for a real estate loan worth 360,000 lei over a period of 262 months, with repayment in equal installments. The interest is 5.97%/year, fixed in the first 3 years and subsequently variable at 7.95%/year, consisting of IRCC** + bank margin 2.40%, the analysis fee is 750 lei and the monthly management fee is 75 lei. The monthly installment value is 2.536.76 lei and the total payable amount is 765,825.81 lei;

Real estate loan with free life insurance and salary collection – EUR

The Annual Effective Interest Rate (AER) is 6.995%/year* for a real estate loan worth 50,000 Eur over a period of 262 months, with repayment in equal installments. The interest is 5.07%/year, fixed in the first 3 years and subsequently variable at 6.343%/year, consisting of Euribor*** at 6 months + the bank’s margin of 3.75%, the analysis fee is 150 Eur and the monthly administration fee is 15 Eur. The value of the monthly installment is 330.93 Eur and the total amount payable is 96,386.54 Eur;

*The total payable amount and APR also include costs related to: insurance policies, valuation of the property brought as collateral, advertising of movable mortgages in the National Register of Mortgages, commissions for processing payment orders.

** IRCC value as of 01.07.2025 is 5.55%. The interest rate changes every January 1, April 1, July 1 and October 1 depending on the evolution of the reference index

*** EURIBOR 6M value as of 01.02.2025 is 2.593%. It is updated every February 1 and August 1 throughout the loan term.

Details about the cost structure (eligibility conditions, interest rates, fees; both standard and applicable to this offer) can be found on the website www.garantibbva.ro .

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Costs and fees

Instalment value:

Period:

Monthly commission:

Commission analysis:

Evaluation commission:

Interest rate:

Total payment amount:

Effective annual interest rate:

Exchange rate information

All of the domestic and international market tables and graphs appearing on the www.garantibbva.ro website have been obtained from outside parties that provide services on such matters and have been prepared for the purpose of providing information in a general sense without any benefit being derived from them by Garanti BBVA. The validity of the tables or graphics appearing on our website is in no way guaranteed by Garanti BBVA and this information is not being provided for the purpose of securing any particular gain.

For this reason, Garanti BBVA cannot be held responsible for any direct or indirect material or moral losses or expenses that may arise on account of errors or deficiencies in the information contained in these tables and graphs or on account of transactions based on this information, or on account of any losses or expenses that outside parties may occur in any way whatsoever.

The communications/messages in electronic format do not include the essential elements to conclude a valid contract; do not represent an offer to conclude a contract or a binding intention for granting a financing facility, another product or for providing a service. The recipient’s acceptance of the terms and conditions available in electronic mail shall not be considered as a valid conclusion of a contract.

For the valid conclusion of a contract it is necessary to determine all essential elements by the competent approval authority of the bank and the written form of the contract signed by the parties involved.