Housing Loan

Finding the house of your dreams is a big deal!

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)

Currency Interest
type*
Reference
index
Fixed interest
rate
3 years*
Fixed interest
rate
5 years*
Variable interest rate File
analysis
comission
Monthly
management
fee
Margin* Interest rate
(index + margin)**
RON Fixed - 6.09% 6.30% - - 600 RON 50 RON
EUR Fixed - 4.95% 5.25% 3.75% 7.586% 130 EUR 10 EUR
RON Variable IRCC 3M** - - 2.40% 8.37% 600 RON 50 RON
EUR Variable EURIBOR 6M*** - - 3.75% 7.586% 130 EUR 10 EUR

*This Fixed interests and margins are applicable in case you cash in your salary in your Garanti BBVA account.

The interest rate is updated according to the evolution of the reference index for consumer loans as follows:

** The IRCC reference index has a value of 5.97% and is updated every January 1, April 1, July 1 and October 1 for the entire duration of the loan;

*** The EURIBOR 6M reference index has a value of 3.836% and is updated every February 1st and August 1st for the entire duration of the loan.
 
Example of calculation in case you cash in your salary in your Garanti BBVA account:
 

The effective annual interest rate (EIR) is 9.15%/ year for a housing loan in the amount of Lei 364,000 over a period of 262 months, with repayment in equal monthly instalments. The interest rate is 8.37% / year, variable, consisting of IRCC at 3 months + bank’s margin of 2.40%. Loan analysis fee is 600 lei and monthly administration fee is 50 Ron. Monthly instalment amount is 3.079.16 Lei, and the total amount payable is 817,928.92 Lei 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.

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 detail information related to General Purpose Loan with Collateral please check this guide.

Housing loan is easy to get

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