Eco House Loan

Suntem aici să îți facem cunoștință cu noul credit Casa Eco.

Why choose a green home certified by Romania Green Building Council?

Product features

House Insurance required (see details here)

Your advantages

You protect your family! You will benefit from a free Life Insurance (see details here)

Monedă Tip
de referinţă
FIXĂ 3 ani*
Marjă Rata dobânzii
(indice + marjă)
de analiză
Comision de
RON Fixă - 7.80% - - 600 RON 0 RON
RON Variabilă IRCC 3M** - 2.70% 8.68% 600 RON 0 RON
EUR Variabilă EURIBOR 6M*** - 2.85% 5.809% 130 EUR 0 EUR

*The margin is applicable in case you cash in your salary in your Garanti BBVA account.

**The variable interest rate is updated quarterly, depending on the evolution of the index for consumer loans: on 1st January, 1st April, 1st July and 1st October, applicable for the entire duration of the loan.

The value of IRCC 3M on July 1, 2022 is 2.65%.

Example of calculation in case you cash in your salary in your Garanti BBVA account:

The effective annual interest rate (EIR) is 5.62%/ year for a housing loan in the amount of Lei 225,000 RON over a period of 360 months, with repayment in equal monthly instalments. The interest rate is 4.75% / year, variable, consisting of IRCC at 3 months + bank’s margin of 2.10%. Loan analysis fee is 600 Lei and monthly administration fee is 0, applied to loan balance. Monthly instalment amount is 1.348,99 Lei, and the total amount payable is 450.291,22 Lei .* The total amount payable and the APR include costs related to: insurance policies, appraising real estate collateral, registering pledge contracts in RNPM, commissions for processing payment orders.

Details about the structure of costs (interest, fees, other taxes) here.

How to apply


Pentru acest produs poţi aplica uşor printr-un formular online

În agenții

Poți veni in oricare din agențiile Garanti BBVA

Documents required*:

Documents attesting the income from salaries, rents, service provision, freelance activities, dividends, pensions, etc.(more details at Garanti BBVA agencies);

* during file analysis the bank may request supplementary documents

Good to know

Issues that need to be taken into account when contracting a loan:

For more detail information related to Consumer Loan with Mortage please check this guide.

For more information about Green Homes certified project click this link.

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