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)

Moneda Tip
de referinţă
FIXĂ 3 ani*
Marjă* Rata dobânzii
(indice + marjă)**
de analiză
Comision de
RON Fixă - 8.10% - - 600 RON 0 RON
RON Variabilă IRCC 3M** - 3.00% 8.98% 600 RON 0 RON
EUR Variabilă EURIBOR 6M*** - 3.00% 5.959% 130 EUR 0 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 2.65% 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 -0.519% 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 5.40%/ 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 5.05% / 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 0. Monthly instalment amount is 2,295.85 Lei, and the total amount payable is 612,701.63 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.

Ușor de obținut


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

Garanti BBVA face parte din categoria instituțiilor de credit care contribuie la schema de garantare a depozitelor, administrată de Fondul de Garantare a Depozitelor Bancare.

Banii clienților din conturile curente, cei din conturile de economii precum și cei din depozitele la termen Garanti BBVA sunt garantați până la concurența sumei de 100,000 EUR, în echivalent Lei, conform criteriilor menționate în Formularul pentru Informațiile Oferite Deponenților, precum și în Lista Depozitelor Excluse de la Garantare, vezi aici.

Poti vizualiza Documentul de informare cu privire la comisioane pentru Cont curent în EUR aici.

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.

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