Real estate investment loan

Get the Owner loan

Make sure you can always return HOME

You have the comfort and security to pay the installments with fixed interest rates in the first 5 years of the loan.

Minimum contribution starting from 15% of the value of the property and financial approval valid for 60 days, during which you can choose the desired property.

You benefit from interest rate discounts if you choose to receive your monthly income in a First Bank account.


Make sure you can always return home. Owner is a credit created for purchasing of real estates (including financing of unpaid price difference) and refunding of real estate investment loans.


Time is money and we know this very well. Find out the complete product file, including the example of calculation.

An offer of residential complexes

Now you can get both your home and your funding from the same place.

Do you want a real estate investment loan? Leave your details below and we will get in touch with you.

Our dedicated staff is at your disposal for any information regarding our products and services by telephone at: 021 303 69 69 or 0800 801 802.

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?

If your monthly income is recorded in the NAFA database, you only need your / your co-payer’s Identification Document, if applicable).

Up to what age can I apply for a home improvement loan?

The maximum age for the loan, at the end of the lending period, must be 65 years.

If I cannot get the amount I want, can I bring a co-payer?

Yes. You can bring in maximum 4 co-payers (additional to the spouse or partner).

What monthly income do I need to have to apply for a real estate investment loan?

Minimum EUR 300 / month (in RON equivalent). This level also applies to each of the co-payers (if applicable). 

How can I find out what the maximum amount I can get is?

Visit any First Bank agency or visit our webpage at and we shall provide you with a loan offer that also includes alternatives solutions, and you have 15 days to decide on the best option.

If the salary payment date changes, can I also change the due date of my loan so that I do not record any arrears?

Yes. You can always request, free of charge, to change the due date for your loan.

If my income is from royalties, can I still apply for a home improvement loan?

Yes. Income from royalties is accepted alongside with income from salary, pensions, mandate contracts, self-employment, management contracts or agency contracts, rents, life annuity income.

It is mandatory to conclude insurance policies only through the bank’s partners?

No. You can conclude insurance policies through any insurance company, provided that the minimum insured amount requirements and the covered risks are met. However, through the bank's partners, you can benefit from negotiated levels of insurance premiums.

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?

Yes. After reviewing your loan application, the bank provides you with a financial approval letter whereby you find out the maximum amount you can qualify for. Within 60 days of the date of issue, you can decide on the property you want to buy.

What happens if, during the lending period, I can no longer comply with the monthly income transfer condition?

In this case you will lose the interest rate discount originally granted.

What should I know before signing a loan agreement?

Everything you need to know about a loan agreement you will find here (only in romanian):




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