Bucharest, 21 July – Garanti BBVA Romania launches a new lending offer under the Noua Casă (New Home) 2025 Program, with a minimum down payment of only 5% for eligible properties and variable interest rate capped at 5,97% per year for the first three years of the loan.
The capped interest rate 5,97% /year represents a significant reduction from the actual standard variable rate 7.55%/year (IRCC+1,98%/year), providing a more accessible and stable financial start.
In case total value of the standard interest, IRCC+1,98%/year, will go below the capped interest rate of 5,97%/year during the first three years of the loan, Garanti BBVA customers will benefit from the lower value of interest rate.
Besides capped interest rate, Garanti BBVA offers an additional benefit that consists in zero cost for property evaluation report.
“In line with our strategic priority of Radical Client Perspective, with this new lending offer, we are the first bank in the market providing higher financial visibility and stability to our customers while making an important decision about buying their first homes, thanks to more affordable and predictable monthly installments and minimum down payment of 5%” said Cagri Memisoglu, Deputy General Manager, Retail Banking Area, Garanti BBVA Romania.
After the initial three-year period, the loan continues with the standard variable interest rate applied under the Noua Casa Program, which consists of 3-month IRCC (Consumer Credit Reference Index) plus a fixed margin of 1.98% per year.
The offer is valid until December 31, 2025, or until the ceiling distributed by National Credit Guarantee Fund for Small and Medium Enterprises (FNGCIMM) is exhausted.
The Noua Casă loan can be accessed with a minimum down payment of 5% for transactions up to 70,000 Euro (RON equiv.), whether they are old homes completed or consolidated more than five years before the loan application, or new homes build or consolidated within the last five years. In these cases, the maximum loan amount is 66,500 Euro, equivalent in RON.
For new homes acquisition, depending on the transaction value, maximum loan amount can reach up to 119,000 Euro with a minimum required down payment of 15%.
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Despre Garanti BBVA Romania
Banca Garanti BBVA face parte din Grupul Garanti BBVA România, alături de Garanti BBVA Leasing și Garanti BBVA Fleet Management, care completează oferta băncii cu produse specifice de leasing și servicii de management al flotei. În 2023, banca a celebrat 25 de ani de prezență activă în cadrul sistemului bancar românesc.
Garanti BBVA România este deținută de Garanti BBVA, a doua bancă privată din Turcia, din punct de vedere al activelor, având ca acționar majoritar grupul financiar spaniol Banco Bilbao Vizcaya Argentaria (BBVA).
Pentru mai multe informații și pentru a rămâne la curent, vă rugăm să vizitați http://www.garantibbva.ro.
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