Do you live abroad but want your home, at home? 💛
We are by your side with a dedicated offer for mortgage loans to purchase homes in Romania.
Mortgage loan for properties in Romania:
You can refinance loans from other banks in Romania;
You can take the loan together with your partner, children, siblings, parents, or brothers- and sisters-in-law;
The loan term is a minimum of 48 months up to 30 years for mortgage loans with a 3-year introductory fixed interest rate, then variable, and a minimum of 72 months up to 30 years for mortgage loans with a 5-year introductory fixed interest rate, then variable.
You meet at least one of the following conditions: you have tax residency outside Romania, you have a phone number issued by/registered with an operator outside Romania, you haveaddress (domicile/correspondence/residence) in a country other than Romania.
You have earned salary income abroad for at least one year or receive permanent pensions from abroad.
You have a good payment history.
You have prepared a down payment of at least 15% of the property value depending on: the purpose of the loan, the loan currency vs the currency in which the income is earned, and whether you own other properties.
Loan amount
300,000 lei
Interest rate value
Fixed 6.70% for the first 3 years, then variable 8.36%* (IRCC + 2.80 pp)
Loan term
30 years (360 monthly installments)
Monthly installment amount
1,936 lei fixed for 3 years, then 2,256 lei
Annual Percentage Rate (APR)*
8,29%
Total cost of the loan**
505,765 lei
Total amount to pay***
805,765 lei
Loan amount
300,000 lei
Interest rate value
Fixed 6.70% for the first 3 years, then variable 8.36%* (IRCC + 2.80 pp)
Loan term
30 years (360 monthly installments)
Monthly installment amount
Starting from 2,508 lei, then from 2,714 lei
Annual Percentage Rate (APR)*
8,22%
Total cost of the loan**
368,271 lei
Total amount to pay***
668,271 lei
Loan amount
300,000 lei
Interest rate value
Fixed 7.10% for the first 5 years, then variable 8.46%* (IRCC + 2.90 pp)
Loan term
30 years (360 monthly installments)
Monthly installment amount
2,016 lei fixed for 5 years, then 2,269 lei
Annual Percentage Rate (APR)*
8,27%
Total cost of the loan**
506,823 lei
Total amount to pay***
806,823 lei
Loan amount
300,000 lei
Interest rate value
Fixed 7.10% for the first 5 years, then variable 8.46%* (IRCC + 2.90 pp)
Loan term
30 years (360 monthly installments)
Monthly installment amount
Starting from 2,608 lei, then from 2,596 lei
Annual Percentage Rate (APR)*
8.20%
Total cost of the loan**
368,269 lei
Total amount to pay***
668,269 lei
* Representative examples were calculated assuming you carry out your professional activity, earn salary income abroad, and wish to purchase a residential property/a green residential property (energy class A) in Romania or refinance a loan from another bank in Romania.
**For variable interest rate mortgage loans, this consists of the bank's fixed margin plus the IRCC reference index/Euribor6M, depending on the loan currency. Interest will be updated and adjusted quarterly by the bank, based on the monetary index IRCC/Euribor6M, depending on the loan currency. Reference index variation IRCC/Euribor6M, as well as income fluctuations, can affect the ability to pay loan installments or the total amount due.
***The RNPM registration fee (National Register of Movable Property Publicity) is included.
Fill in the form below.
Do you live abroad but want to buy a home in Romania? Here’s what you need to do to take advantage of the mortgage offer:
Please fill in the form on the page, and we will call you to provide more details. We look forward to seeing you then in Romania, in agency chosen by you, until September 30, 2026, to sign the offer (European Standard Information Sheet ESIS).
You can inclusive online scheduling, to save time spent at home. 🤗
We can’t wait to hear from you! 💛
