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Lending campaign „Small” HL

Offer applied to real estate loans for amounts less than or equal to 300,000 RON

I. Duration of the Campaign:

The offer is valid from May 06, 2025 to July 30, 2025.

II. Validity conditions of the Campaign:

  • It is addressed to individuals, existing or non-client clients of GARANTI BANK S.A who request a real estate loan for amounts less than or equal to RON 300,000;
  • The campaign applies to non-clients and clients who collect their salary at GARANTI BANK S.A. or who will collect monthly in their account the equivalent of at least 2 monthly installments;
  • It applies for granting new real estate loans as well as for refinancing existing real estate loans at GARANTI BANK S.A, but also held at other banks*.
  • Customers applying for a credit product mentioned above must meet the Bank's eligibility conditions.
  • The currency in which loans can be granted is RON.
  • The maximum credit period is up to 360 months for amounts less than or equal to RON 300,000.

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

III. Campaign offer if the requested credit is approved:

  • The maximum amount will be less than or equal to 300,000 RON;
  • File analysis commission: 750 RON
  • Fixed interest rate for 3 years with life insurance: 5.49%/ year, then variable 2.25% + IRCC at 3 months *;
  • Fixed interest rate for 3 years without life insurance: 5.37%/ year, then variable 2.25% + IRCC at 3 months *;
  • Fixed interest rate for 5 years with life insurance: 5.70% / year, then variable 2.25% + IRCC at 3 months *;
  • Fixed interest rate for 5 years without life insurance: 5.58%/ year, then variable 2.25% + IRCC at 3 months *;
  • Monthly management fee: 75 RON
  • Credit period: 360 months

* The IRCC benchmark is currently 5.55%. It is updated every January 1st, April 1st, July 1st and October 1st, depending on the duration of the loan.

IV. Acceptance of offer:

  • At any time during the running period, the Campaign may end before the deadline, based on the decision of GARANTI BANK SA or in case of force majeure. In the event of any of these cases, GARANTI BANK SA will transmit the information on the official website ” www.garantibbva.ro ” as soon as possible.
  • It is considered that the offer is accepted at the time of signing the documents certifying the intention to contract the credit.
  • For details regarding the processing of your personal data, please consult the Bank’s website at www.garantibbva.ro, section “Personal data processing” or you can request them in 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. Example of APR calculation according to the offer of this Campaign:

Fixed Interest for 3 years without life insurance:

For a real estate loan worth 250,000 RON, granted for a period of 360 months, with reimbursement in equal installments The Annual Effective Interest Rate (APR) is 8.11%/year*, The interest rate is 5.37%/year, fixed, the analysis fee is 750 RON, and the monthly administration fee is 75 RON, The value of the monthly installment is 1,474.15 RON, and the total amount payable 664,474.62 RON:

Fixed Interest for 5 years without life insurance:

For a real estate loan worth 250,000 RON, granted for a period of 360 months, with reimbursement in equal installments The Annual Effective Interest Rate (APR) is 7.84 %/year*, The interest rate is 5.58%/year, fixed, the analysis fee is 750 RON, and the monthly administration fee is 75 RON, The value of the monthly installment is 1,507.05 RON, and the total amount payable 652,834.33 RON;

Details about the cost structure (interest, commissions, other taxes; both regarding the standard ones and regarding those applicable to this offer) can be found on the website www.garantibbva.ro .

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Effective annual interest rate:

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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.