Loan calculator - Real Estate and Personal Needs
Calculate your real estate loan or personal loan rate
What do you dream about when no one can see you? Get the credit you want and make your life easier!
- Your goals can be achieved faster than you think. You just have to take the first step.
- With our Loan Calculator, you can see in real time how easy it is to get a real estate loan or a personal loan.
Calculator Credit
Your plans can become reality when you have all the facts. Use the credit calculator to find out which option is best for your budget.
Rate amount
Interest amount
Real estate loan
Details and features
- The minimum credit limit is EUR 10,000 or RON equivalent and there is no maximum credit limit.
- Maximum lending period: 30 years
- Advance: starting from 15% for loans in Lei
- Minimum eligible income must be at least equal to the minimum wage.
- Several types of income can be taken into account: salary, dividends, rents, etc.
- Obtaining the loan is conditional on: taking out a first mortgage on the property purchased, taking out a mortgage on current accounts and, where applicable, on receivables (dividends, rents), taking out a compulsory PAD policy and a voluntary insurance policy on the property pledged as security, taking out a life insurance policy
- Mortgages on movable/immovable property will be registered, where applicable, with the AERGM and the Land Register
Your benefits
- It's simple and easy!
- You're protecting your family!
You benefit from free Life Insurance for the duration of the loan (see details here) and all your family members will always be safe.
- You save smart!
*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 4.06% 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 0.66% 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 7,20%/ 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 6,76% / year, variable, consisting of IRCC at 3 months + bank’s margin of 2,70%. Loan analysis fee is 600 lei and monthly administration fee is 0. Monthly instalment amount is 3.429,85 Lei, and the total amount payable is 643.734,56 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.
| Moneda | Tip dobândă* |
Valoare credit |
Indicele de referinţă |
Dobanda FIXA* |
Marjă* | Rata dobânzii (indice + marjă)** |
Comision de analiză dosar |
Comision de administrare lunară |
|---|---|---|---|---|---|---|---|---|
| RON | Fixă | 250.001 – 500.000 |
IRCC 3M** | 7.50% | - | - | 600 LEI | 0 LEI |
| EUR | Variabilă | - | EURIBOR 6M*** | - | 3.00% | 3.66% | 130 EUR | 0 EUR |
Personal loan
Apply for a personal loan and you’re ready to turn your dreams into reality!
Day by day, we want to evolve and invest in our projects and with the help of Garanti BBVA and the available banking services, anything is possible.
Details and features
- Maximum lending limit and currency: 115,000 lei
- Maximum lending period: maximum 10 years for loans granted for refinancing the balance/sold of loans contracted before 08.07.2020.
- Granted for refinancing the balance/sold of consumer loans, overdraft limits or credit cards contracted before 8 July 2020.
- The minimum eligible income must be at least equal to the minimum wage
- Several types of income can be taken into account: salary, dividends, rents, etc.
- Type of interest: fixed or variable.
- Obtaining credit is conditional on the establishment and registration with the RNPM of a mortgage on current accounts and, where applicable, on receivables (dividends, rents).
Your advantages
- You get flexibility!
Everything is easier when you refinance through Garanti BBVA! You can enjoy all the benefits of refinancing by managing a single loan.
- It's simple and easy!
You’ll get your money quickly, without having to show income documentation, if you are employed and your income is reported to ANAF.
- You enjoy safety!
More than ever, the included Credit Repayment Protection Insurance becomes a safety net for your plans, no matter what the period. (see details here)
- Save smart!
You enjoy preferential interest rates if you choose to receive your salary at Garanti BBVA. We always take care of all our customers.
| Moneda | Tip dobândă* |
Valoare credit |
Indicele de referinţă |
Dobanda FIXA* |
Marjă* | Rata dobânzii (indice + marjă)** |
Comision de analiză dosar |
Comision de administrare lunară |
|---|---|---|---|---|---|---|---|---|
| RON | Fixă | Intre 40.000- 80.000 |
- | 9.45% | - | - | 200 RON | 20 RON |
| RON | Variabilă | Intre 40.000- 80.000 |
IRCC3M | - | 4.95% | 9.01% | 200 RON | 20 RON |
*The interest shown are 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 reference index for loans granted to consumers: on 1 January, 1 April, 1 July and 1 October, 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 10,71% year for a General Purpose Loan in amount of 42,000 Lei for a period of 53 months, with repayment in equal instalments. The interest rate is 79,01%/ year, variable, consisting of IRCC for 3 months + bank margin 4.95%. Loan analysis fee is 200 lei and the monthly administration fee is 20 lei. Monthly instalment amount is 983,49 Lei, and the total payable amount is 54.412,59 Lei.
Details about the structure of costs (interest, fees, other taxes) here.
Choose the easiest way to access your own real estate loan:
- Identity document
-
Documents proving income from salaries, rents, pensions, etc. (you can find out more details in the Garanti BBVA offices)
If your salary is reported to ANAF, we only need your approval to check ANAF databases, in this case no income statement is required
If your salary is not reported to ANAF, the following documents are required: income statement for the last three months and tax form for income made in the last year
*During the analysis of the file, bank representatives may ask you for additional documents or information.
How to access the Personal Loan
- Identity document
Documents proving income from salaries, rents, pensions, etc. (you can find out more at Garanti BBVA offices);
- If your salary is reported to ANAF, we only need your approval to check ANAF databases, in which case no income certificate is required
- If your salary is not reported to ANAF, the following documents are required
Income certificate for the last three months
Tax receipt for income earned in the last year
- Only if you are retired, you must also present a copy of one of the following utility bills: mobile or landline phone, electricity, natural gas.
*During the review of your file, bank representatives may ask you for additional documents or information.
- If you want to refinance you will need the following documents:
- A document containing the necessary information on the current account number (in IBAN format) to which the loan will be repaid.
- Refinancing address or credit agreement and addenda together with the last repayment schedule not older than 90 days or only the repayment schedule containing all the identification elements of the credit (type of credit, date of granting, credit currency, credit agreement number, client name, PIN, IBAN repayment account, remaining amount to be repaid).
*During the review of your file, bank representatives may ask you for additional documents or information.
We are waiting for you in one of the Garanti BBVA offices, which you can find here.
- Complete the process and enjoy your Garanti BBVA account
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