Advantages
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 up to 30 years.
Mortgage loan with variable interest rate
Are you abroad but want to buy your own home back home? 🩵
We are here for you with a dedicated offer for Romanians living abroad: mortgage loans for homes in Romania.
Diaspora Offer
- 12.58% variable interest (IRCC+7%), if you carry out your professional activity and earn salary income abroad and want to purchase a residential property in Romania (including a green property with Energy Class A, residential use) or refinance a mortgage/home loan from another bank in Romania (including with a green property guarantee, Energy Class A)
- 7.475% variable interest (6M Euribor + fixed margin of 5%), if you carry out your professional activity and earn salary income abroad and want to purchase a residential property in Romania (including a green property with Energy Class A, residential use) or refinance a mortgage/home loan from another bank in Romania (including with a green property guarantee, Energy Class A)
- Notarial voucher of 2,000 lei for refinancing mortgage/real estate loans contracted from other banks in Romania. Campaign rules
- ZERO analysis fee
- 650 lei for apartment/1,050 lei for house, villa, land and buildings evaluation fee
- 150 lei annual management fee
Standard product
- 12.58% variable interest (IRCC+7%), if you work professionally and earn salary income abroad and want to purchase a residential property in Romania (including a green property with Energy Class A, residential use) or refinance a mortgage/home loan from another bank in Romania (including green property guarantee with Energy Class A).
- 7.475% variable interest (6M Euribor + fixed margin of 5%), if you carry out your professional activity and earn salary income abroad and want to purchase a residential property in Romania (including a green property with Energy Class A, residential use) or refinance a mortgage/home loan from another bank in Romania (including with a green property guarantee, Energy Class A)
- Notarial voucher of 2,000 lei for refinancing mortgage/real estate loans contracted from other banks
- 500 lei, respectively 100 euro analysis fee
- 650 lei for apartment/1,050 lei for house, villa, land and buildings evaluation fee
- 150 lei annual management fee
You apply if
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.
Representative example
If you choose a loan in RON, with equal installments
Loan amount
300,000 lei
Interest rate value
12.58% ( IRCC + fixed margin 7 pp )
Loan term
30 years (360 monthly installments)
Monthly installment amount
3,220 lei
Annual Percentage Rate (APR)*
13.44%
Total cost of the loan**
864,428 lei
Total amount to pay***
1,164,428 lei
If you choose a loan in RON, with decreasing installments
Loan amount
300,000 lei
Interest rate value
12.58% ( IRCC + fixed margin 7 pp )
Loan term
30 years (360 monthly installments)
Monthly installment amount
starting from 3,978 lei
Annual Percentage Rate (APR)*
13.46%
Total cost of the loan**
572,763 lei
Total amount to pay***
872,763 lei
If you choose a loan in euro, with equal installments
Loan amount
€60,000
Interest rate value
7.475% (6M Euribor + 5 fixed margin pp)
Loan term
30 years (360 monthly installments)
Monthly installment amount
€419
Annual Percentage Rate (APR)*
7.83%
Total cost of the loan**
€91,630
Total amount to pay***
€151,630
If you choose a loan in euros, with decreasing installments
Loan amount
€60,000
Interest rate value
7.475% (6M Euribor + 5 fixed margin pp)
Loan term
30 years (360 monthly installments)
Monthly installment amount
starting from 540 euros
Annual Percentage Rate (APR)*
7.85%
Total cost of the loan**
68.j428 euro
Total amount to pay***
€128,428
* 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.
Apply now
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! 💛
