Introductory fixed interest rate

For a credit of 250,000 RON, for 30 years, with the collection of salary/pension* at Exim Banca Romaneasca, the monthly installment is 1,663.26 RON fixed for the first 36 months, subsequently 1,965.14 RON (calculated at an CCB value of 5.90%/year), APRC 8.97%, the total amount payable 713,465.77 RON.

* including the clients who hold an account package and collect at least 3,500 lei monthly in the account related to the package

The interest rate is fixed for the first 36 months, then it is variable and is revised quarterly, on January 1, April 1, July 1, October 1, taking into account the CCB value calculated by the NBR at the end of each quarter, according to the calculation methodology regulated by GEO 19/2019 and published on the NBR website on the last working day of the quarter.

The change in the CCB (IRCC benchmark) index can determine the fluctuation of loan rates and the total amount payable for your loan. The fluctuation of your income may affect the possibility of paying the monthly installments related to the loan.

Variable interest rate

For a credit of 250,000 RON, for 30 years, with the collection of salary/pension* at Exim Banca Romaneasca, the monthly installment is 1,993.59 RON, ARRC 9.59%, the total amount payable 734,577.71 RON.

* including the clients who hold an account package and collect at least 2,000 lei monthly in the account related to the package

The interest rate is variable and is revised quarterly, on 1 January, 1 April, 1 July, 1 October, taking into account the CCB value calculated by the NBR at the end of each quarter, according to the calculation methodology regulated by GEO 19/2019 and published on the NBR website on the last working day of the quarter.

The change in the CCB (IRCC benchmark) index can determine the fluctuation of loan rates and the total amount payable for your loan. The fluctuation of your income may affect the possibility of paying the monthly installments related to the loan.

You can apply for a mortgage credit if:

• You are a Romanian or foreign citizen with permanent or temporary residence in Romania or with residence in OECD/EU countries;
• You are at least 22 years old and not more than 70 years at the end of the lending period;
• The family monthly income is at least RON 1,200;
• You can present up to two co-debtors, having the quality of husband/wife, parents, children, brother/sister.

• The real estate mortgage over the building bought from the credit;
• Movable mortgage over the accounts opened with us;
• Insurance policies of the real estate;
• Collateral deposits.

• Identity documents of the applicant, husband/wife and co-debtor (in original);
• NAFA accord and income documents (as the case may be);
• Real estate ownership documents, cadaster documentation and registration of the property right;
• Copies of the sellers’ identity documents.

Other costs paid by the client

• Real estate insurance policy – the cost differs depending on the insured amount and/or on the company where the insurance policy is signed.
• Registration tax with the National Real Estate Publicity Register – RON 87.6.
• Notary’s taxes and fees – the cost differs depending on the taxes and fees practiced by the public notaries authenticating the selling-buying contract/mortgage contract.
• The cost of the evaluation report of the real estate brought under guarantee – will be paid by the client prior to the granting of the loan. The cost set and charged by the approved evaluation companies: 500 RON for apartments, 600 RON for ground floor houses with afferent land and 800 RON for double-decker villas with afferent land.