
REFINANCING AND NEW LOANS
- The repayment term of the borrowed amount is flexible, up to 360 months.
- The borrowed amount is up to EUR 500,000 ( RON equivalent) with fixed interest from 6,89% in the first 5 years and variable interest rate of 2,65% margin + IRCC starting from the 6th year;
- You can take the loan together with up to 3 co-payers (husband, wife, partner, parents, kids, brothers)

SUPER AVANTAJ
- The notary costs related to the mortgage in case of new loans and external refinancing (mortgage loans granted by other financial institutions) paid by us (within the limit of 2000 lei);
- Lower monthly rate;
- The payment of the assessment fee upon contracting for the real estate that will be taken as a guarantee in the case of new real estate investment loans as well as those with refinancing will be borne by the Bank.
*DAE (LEI) – Fixed. Client with income collected in First Bank accounts - is calculated for a credit worth 232,500 LEI, for a duration of 360 months, with repayment in equal monthly installments, with an annual interest rate of 6,89% in the first 5 years and a margin of 2,65% + IRCC starting with year 6, taking into account the value of the analysis commission, the value of the current account commission, life insurance with an estimated monthly value of 26.65 LEI and real estate with an estimated annual value of 275 LEI (for a value of the guarantee), registration fee in the Archives of Real Estate Guarantees of LEI guarantees, DAE = 8,25%.
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* Interest - Fixed 5 years + Variable from year 6.
**Estimated value, determined according to age, borrowed amount and health status; the value is decreasing following the evolution of the balance to be repaid.
Minimum advance of 15%.
The information presented is purely indicative and has no contractual value. The estimated calculation does not include building insurance, which can be concluded independently by the customer. For an accurate calculation and a personalized financing solution, enter VideoBanking.
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Frequently asked questions
If you still have questions, look for answers below.
What documents are required to obtain the approval for a real estate investment loan?
Up to what age can I apply for a home improvement loan?
If I cannot get the amount I want, can I bring a co-payer?
What monthly income do I need to have to apply for a real estate investment loan?
How can I find out what the maximum amount I can get is?
If the salary payment date changes, can I also change the due date of my loan so that I do not record any arrears?
If my income is from royalties, can I still apply for a home improvement loan?
It is mandatory to conclude insurance policies only through the bank’s partners?
If I did not find the apartment / house I want to buy by means of this loan, can I find out the maximum amount I could get?
What happens if, during the lending period, I can no longer comply with the monthly income transfer condition?
What should I know before signing a loan agreement?
Can I make early repayments?
What is the monthly credit installment composed of?
How is the loan repayment in equal installments calculated?
How is the repayment of the loan calculated in decreasing installments?
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