Personal loan with mortgage

For all the big plans

Choose a loan that helps you turn your dreams into reality!

Whether you want to fulfill your most desired plans with a personal loan with mortgage or refinance a loan, you have all the information:

Maximum lending limit and currency: EUR 300,000 or RON equivalent
Maximum lending period: 5 years
The product can be used to meet personal needs or to refinance other loans with additional funds, irrespective of when they were granted.
The minimum eligible income must be at least equal to the minimum wage.
Several types of income can be taken into account: salary, dividends, rent, etc.
Obtaining the loan is conditional on:

The conclusion of a mandatory PAD policy and an optional insurance policy on the real estate pledged as collateral (see details here);

The mortgages of movable/immovable property will be registered, where applicable, at the National Registry of Real Estate and Land Register.

Refinancing of loans will be done on a balance/balance basis, without granting any additional amount.
The minimum eligible income must be at least equal to the minimum wage.
Several types of income can be taken into account: salary, dividends, rent, etc.
Type of interest: variable
Obtaining the loan is conditional on:

The conclusion of a mandatory PAD policy and an optional insurance policy on the real estate pledged as collateral (see details here);

The mortgages of movable/immovable property will be registered, where applicable, at the National Registry of Real Estate and Land Register.

You enjoy a number of benefits if you apply for a personal loan with mortgage or refinance through Garanti BBVA:

More than ever, the included Credit Repayment Protection Insurance becomes a safety tool for your plans, no matter the period. link to new page

Moneda	Tip dobândă	Indicele de referinţă	Marjă*	Rata dobânzii (indice +marjă)	Comision de analiză dosar	Comision de administrare lunară
RON	Variabilă	IRCC 3M**	3.15%	9.13%	1000 RON	0 RON
EUR	Variabilă	EURIBOR 6M***	3.75%	6.709%	230 EUR	0 EUR

*Fixed interest rates and margins shown are valid if you receive your income in an account at Garanti BBVA.

**The variable interest rate is updated quarterly, according to the evolution of the benchmark for loans granted to consumers: on January 1, April 1, July 1 and October 1, for the entire duration of the loan.

Example of calculation for salary reception offer:

The Annual Percentage Rate (APR) is 10.71%/year, for a personal loan of 42,000 Lei over a period of 53 months with repayment in equal installments. The interest rate is 9.01%/year, variable, consisting of IRCC at 3 months + bank margin 4.95%, the analysis fee is 200 lei and the monthly management fee is 20 lei. The monthly installment is 983,49 Lei and the total amount payable is 54,412.59 Lei.

Details of the cost structure (interest, fees, other charges) here.

Things to consider when taking out a loan:

Your income may vary. Please make sure that you will be able to pay your monthly installments, even if your income goes down.
In the case of variable interest rate loan, there is an interest rate risk. This risk is generated by changes in the benchmark index that is part of the interest rate, which can increase the interest rate and increase the monthly repayment amount.