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Mortgage Loans

Whether you want to buy a house through a Real Estate Purchase Loan or apply for the governmental program First House, we offer you all the support to fulfill your dream.

You’ll be at Home with a Real Estate Purchase Loan!

Because we offer you just what you need for buying your dream home straightaway.

 

credit ipotecar unicreditbank

With UniCredit Bank you can receive a mortgage loan for a new home. The “Mortgage Loan for Home Acquisition” has the following parameters:

  • Currency: lei;
  • Value: maximum 250.000 euros (or the equivalent amount in lei);
  • Downpayment: from 15%;
  • Time period: 3 to 30 years;
  • Guarantee: first rank mortgage on the purchased house;
  • Insurances:  real estate insurance and life insurance transferred in favor of the Bank;
  • Co-debtors: up to 2 co-debtors, from whom co-debtor 1 is husband / wife / partner (the co-debtor must meet the same criteria as the applicant) and co-debtor 2 is father / mother / father-in-law / mother-in-law / brother / sister / son / daughter of the borrowers (retired persons are also accepted). The second co-debtor must meet the same criteria as the applicant.
Eligibility requirements

To obtain this product, the following minimum eligibility requirements must be fulfilled:

  • Minimum age: 20/25 years old (for navigators);
  • Maximum age: 70 years old/ 65 for patented navigators and 60 for non-patented navigators (by this age the loan will be fully reimbursed);
  • Eligible monthly income per family: minimum 1000 lei (250 euros for navigators).

 

Required documents

Documents required for financial analysis:

  • ID card/Passport;
  • Income proving documents;
  • Loan request which includes the agreement for Credit Bureau and of the Central Credit Register query.

Documents required for the legal opinion and final approval:

  • Real estate documents (appraisal report, sale/purchase agreement, Land Register excerpt, Land Register registration, OCPI registration etc.);
  • Insurances (real estate and life).
Interest rates and fees

 

MORTGAGE LOAN FOR HOUSE ACQUISITION, WITH FIXED INTEREST IN THE FIRST 5 YEARS AND VARIABLE AFTER, WITH COMPULSORY LIFE INSURANCE
Income collection* Currency Fixed interest rate first 5 years (%/year) Variable interest** rate starting with the 6th year (%/year) Index for variable interest rate Index value (%/year)** Fixed margin (%/year) APR (%/year )
NO
LEI
4,99
4,87** IRCC 1,88
2,99 5,58***
YES LEI 4,59 4,67** IRCC 1,88 2,79 5,28***

*the income will be received in a current account opened at UniCredit Bank

**variable interest consists of IRCC reference index + fixed margin. In the example above, the IRCC value considered is 1.88% on 01.01.2021, the IRCC is reviewed quarterly on 01.01, 01.04, 01.07 and 01.10 of each year.

***see representative examples below

 

MORTGAGE/HOUSING LOAN IN LEI FOR HOUSE ACQUISITION, WITH VARIBALE INTEREST RATE CONSITING OF IRCC AND A FIXED MARGIN
  Variable interest rate (%/year ) APR (%/year)
Without life insurance IRCC* + 3,90 %/year 6.04%**
With life insurance IRCC* + 2,99 %/year 5.52%**

*the IRCC reference index value of 1.88% on 01.01.2021. IRCC is reviewed on 01.01, 01.04, 01.07 and 01.10 of each year.

** see representative examples below

APR (effective annual interest rate) is calculated for a loan of 230.000 lei granted for a period of 25 years.

APR includes the following costs: annual interest, file analysis fee, property appraisal cost, Electronic Archive registration cost with a company for which the bank acts as an intermediary.

The variable interest rate is revised quarterly on 01.01, 01.04, 01.07 and 01.10 based on IRCC.

The penality interest rate is calculated based on fix percentage of three percentage points or two percentage points in special cases (unemployment, medical leave, divorce, death, salary decrease with minimum 15%) added to current interest rate and applied to overdue principal.

Fees

Fee
LEI
File analysis fee 900 LEI

 

 

Other costs:

  • The cost of the evaluation report for the pledged real estate;
  • Notary costs;
  • Fees related to the registration with the RNPM;
  • The real estate and life insurance costs.
Insurances

To obtain this loan you need the protection provided by insurances, for the entire period of the contract.

We are offering you several insurance packs, both for life and property, from which you can select the offer that best fits your needs together with your loan consultant.

  • Life insurance, which covers the risk of death caused by an illness or an accident, as well as the risk of permanent impairment (disability) due to accident;
  • Real estate insurance for the real estate brought into guarantee, which means both the mandatory insurance against natural disasters PAD (law 260/2008) and the optional one, which covers damage caused by fire, lightning, explosions or other events, up to the market value of the real estate brought in guarantee. This optional insurance policy also insures against natural disasters for amounts that exceed the 20,000 euros of the PAD policy.

You can choose to conclude the insurance policies with the insurance companies for which the bank acts as an intermediary or you can choose any other insurance company.

Guarantees

In order to get this loan, the following guarantees will be established:

  • First rank mortgage of the real estate property that is being purchased (for a home loan, the mortgage on a real estate different from the financed one is accepted, if it meets the Bank’s guarantee-related standards) or mortgage on a collateral deposit account opened by the client with the bank, established for the entire loan period;
  • Mortgage on the accounts opened with the Bank;
  • Mortgage on the Borrowers’ income, regardless of the title with which it is earned;
  • Cession / establishing the bank as the only beneficiary on the claims resulting from the real estate insurance in favor of the Bank;
  • Establishing the bank as the only beneficiary the claims resulting from the life insurance in favor of the Bank.
Calculation example

In case you will not receive your income during the loan tenor in a current account opened at UniCredit Bank:: For a Real Estate Acquisition Loan of 230.000 RON, granted for a 25-year period, 300 installments, without the incomes received into a UniCredit Bank account, with a fixed interest rate of 4.99% within the first five years and variable interest rate, starting with the 6th year, of 4.87% calculated as IRCC (1.88% valid at 01.01.2021) + fixed margin of 2.99%, loan analysis fee of 900 RON, National Registry for Movable Guarantees registration cost of 87.60 RON, property appraisal cost of 450 RON according to the market information obtained by the bank, account opening and administration fees of 5 RON/month, life insurance* of 0.0416% / month applied to the monthly balance, with a company for which the bank acts as an intermediary, the APR is 5.58%, the monthly installment is 1,397,44    RON within the first five years and 1,378,35 RON, starting with the 6th year, the total payable amount at the end of the loan period is 419,741,13 RON.

In case you will receive your income during the loan tenor in a current account opened at UniCredit Bank: For a Real Estate Acquisition Loan of 230.000 RON, granted for a 25-year period, 300 installments, with the incomes received into a UniCredit Bank account, with a fixed interest rate of 4.59% within the first five years and variable interest rate, starting with the 6th year, of 4.67% calculated as IRCC (1.88% valid at 01.01.2021) + fixed margin of 2.79%, loan analysis fee of 900 RON, National Registry for Movable Guarantees registration cost of 87.60 RON, property appraisal cost of 450 RON according to the market information obtained by the bank, account opening and administration fees of 5 RON/month, life insurance* of 0.0416% / month applied to the monthly balance, with a company for which the bank acts as an intermediary, the APR is 5.28%, the monthly installment is 1.344,41   RON within the first five years and 1,347,29  RON, starting with the 6th year, the total payable amount at the end of the loan period is 408,970.06 RON.

If you don’t want a life insurance: For a Mortgage/Housing Acquisition Loan of 230.000 RON, granted for a 25-year period, 300 installments with a variable interest rate of 5.78% calculated as IRCC (1.88% valid at 01.01.2021)  + fixed margin of 3.90% for RON, loan analysis fee of 900 RON, National Registry for Movable Guarantees registration cost of 87.60 RON, property appraisal cost of 450 RON according to the market informations obtained by the bank, account opening and administration fees of 5 RON/month for RON accounts, the APR is 6.04% for RON, the monthly installment is 1,456.12 RON, and the total payable amount at the end of the loan period is 438,272.79 RON.

If you choose a life insurance: For a Mortgage/Housing Acquisition Loan of 230.000 RON, granted for a 25-year period, 300 installments with a variable interest rate of 4.87% calculated as IRCC (1.88% valid at 01.01.2021)  + fixed margin of 2.99% for RON, loan analysis fee of 900 RON, National Registry for Movable Guarantees registration cost of 87.60 RON, property appraisal cost of 450 RON according to the market informations obtained by the bank, account opening and administration fees of 5 RON/month for RON accounts, life insurance* of 0.0416% / month applied to the monthly balance, with a company for which the bank acts as an intermediary, the APR is 5.52 % for RON, the monthly installment is 1,381,41   RON, and the total payable amount at the end of the loan period is 418,134,69  RON.

*Concluding a life insurance is mandatory. The cost from the example above is medium and is based on the assumption that the borrower’s age at loan granting date is 36 years and fulfilles the standard requirements regarding the health condition (appliance of an increased premium is not necessary) containing insurance premiums of: 0.0214% applied monthly to the loan balance until the age of 46, 0.0631% applied monthly to the loan balance until the age of 56 and 0.1072% starting with the age of 56.

If you will choose to conclude a life insurance with a company for which the bank does not act as an intermediary, the insurance costs are not known by the bank and will not be included in APR.

This loan has to be guaranteed through a mortgage over a real estate property and presumes concluding and maintaining until the end of the credit contract of a life insurance policy (less in the case of the one with variable interest for the entire loan period, if you opted for a price structure that does not require life insurance, as shown above) and a building insurance policy for the mortgaged property. The notary costs, the guarantee registration/cancelation/modification in Electronic Archive, the guarantee registration/cancelation/modification in Land Registry, as well as the real estate insurance is not known by the lender and therefore are not included in the calculation example.

Warning!  By obtaining this type of loan you will be exposed to the following risks which may affect your repayment capacity: the fluctuation of your incomes, the variation of the reference index IRCC which can lead to the interest rate increase and the increase of the monthly amounts to be reimbursed.

According to the legal requirements, we inform you that concluding a credit contract in other currency than the one in which the incomes are obtained will expose you to the currency risk wich may affect your repayment capacity. This risk occurs in the moment the loan currency appreciates compared tio the currency of the incomes or the assets based on which the loan will be reimbursed, determining the increase of the monthly payment obligation.

Also, we inform you that you can conclude, at your own expense, an insurance contract for risk of default, a product offered by the insurance companies.

Your first home is closer than you think!

UniCredit Bank offers you a New House loan that helps you buy the house you want.

 

prima casa UniCredit Bank
New House Mortgage has the following characteristics:
 
  • Currency: lei;

Value:

- EUR 66,500 equivalent in Lei * in case the value of the transaction (credit granted + down payment) DOES NOT EXCEED the value of 70,000 EUR equivalent in Lei *

- between EUR 59,501 and EUR 119,000 equivalent in lei * if the value of the transaction (credit granted + down payment) is between EUR 70,001 and maximum EUR 140,000, equivalent to Lei, only in case of acquisition of a new home (received at the end of the works with no more than 5 years before the date of credit application) or a consolidated dwelling (intervention works in order to consolidate and / or reduce the seismic risk, for which the reception documents at the end of the works were signed no more than 5 years before the date of credit application)

*the equivalent amount in lei at the exchange rate of the National Bank of Romania valid at the purchase selling pre-contract

  • Period: between 3 and 30 years;

Down payment:

  • minimum 5% in case the value of the transaction (credit granted + down payment) DOES NOT EXCEED the value of 70,000 EUR equivalent in Lei*
  • minimum 15% if the value of the transaction (loan granted + down payment) is between EUR 70,001 and maximum EUR 140,000, equivalent to Lei* for the purchase of a new home (received at the end of the works no later than 5 years before the loan application date) or a consolidated dwelling (intervention works in order to consolidate and / or reduce the seismic risk, for which the reception documents at the end of the works were signed no later than 5 years before the date of credit application);

*the equivalent amount in lei at the exchange rate of the National Bank of Romania valid at the purchase selling pre-contract

  • Guarantee: first rank mortgage on the purchased house;
  • Insurances:real-estate insurance and life insurance transferred in favor of the Bank;
  • Codebitors: up to 2 co-debtors, one of which must be a husband/wife/partner and meet the same criteria as the applicant, while the other must be a father/mother/father-in-law/mother-in-law/brother/sister/son/daughter of the loaner (retired persons are also accepted). The second co-debtor must also meet the same criteria as the applicant.
  • The applicant must not own a house larger than 50 square meters.

UniCredit Bank, as a participant in the New House program, can accept loan requests secured with FNGCIMM pledge in compliance with the ceiling granted to the bank, available at the time of the loan request.

Eligibility requirements

To obtain this product, the following minimum eligibility requirements must be accomplished:

  • Minimum age: 20/25 years old (for navigators);
  • Maximum age: 70 years old/ 65 for patented navigators and 60 for non-patented navigators (by this age the loan will be fully reimbursed);
  • Eligible monthly income per family: minimum 1000 lei (250 euros for navigators).

 

Required documents

Documents required for financial approval:

  • ID card/Passport;
  • Income certification documents;
  • Loan request which includes the approval for the inquiry of the Credit Bureau and of the Central Credit Register.

Documents required for the legal opinion and final approval:

  • Real estate documents (assessment report, sale/purchase agreement, Land Register excerpt, Land Register registration, OCPI registration etc.);
  • Insurances (real estate and life).

Attention! If you apply with a codebtor, such as a husband/wife, he/she will have to provide the same documents. Since a mortgage loan is a long-term commitment, make sure you give yourself enough time to consider it and fill in the loan application carefully.

Interest rates and fees

Interest rates

Currency
Index
Index value (%)
Fixed margin (%)
Variable interest rate (%)
Monthly fee (%) APR (%)
LEI
IRCC
1,88 2 3,88
0,0202 4,27

 

APR (effective annual interest rate) is calculated for a loan of 230.000 lei granted for a period of 25 years.

APR includes the following costs: property appraisal cost, Electronic Archive registration cost, account opening and administration fees.

The variable interest rate is revised quartely on  01.01, 01.04, 01.07 and 01.10 based on IRCC.

Penalty interest – Interest owed by the monetary obligation debtor (Borrower) who failed to meet his scheduled financial obligation in due date. According to the law, it does not apply to amounts from the calculated interest rate.

The penalty interest is fixed and calculated by adding 12% to the annual interest rate (annual interest rate + 12%).

Fees

Fee
LEI
File analysis fee
0 LEI
Unique fee for customer demanded services
50 EUR

 

Other costs:

  • The cost of the evaluation report for the pledged real estate;
  • Notary costs;
  • Fees related to the registration with the Electronic Archive (RNPM);
  • The real estate and life insurance costs.
Insurances

To obtain this loan you need protection provided by insurances, for the entire period of the contract.

We are offering you several insurance packs, both life insurances and real estate insurances, from which you and your loan consultant can select the offer that best fits your needs.

  • Life insurance, which covers the risk of death caused by an illness or an accident, as well as the risk of permanent impairment (disability) due to accident;
  • Real estate insurance for the real estate brought into guarantee, which means both the mandatory insurance against natural disasters PAD (law 260/2008) and the optional one, which covers damage caused by fire, lightning, explosions or other events, up to the market value of the real estate brought in guarantee. This optional insurance policy also insures against natural disasters for amounts that exceed the 20,000 euros of the PAD policy.

You can choose to conclude the insurance policies with the insurance companies for which the bank acts as an intermediary or you can choose any other insurance company.

Guarantees

In order to get this loan, the following guarantees will be established:

  • Legal mortgage on the real-estate purchased/constructed, in favor of the Bank and the Romanian State, represented by the Minister of Public Finance;
  • The guarantee offered by FNGCIMM in the name of and on behalf of the Romanian State for the guaranteed financing;
  • Mortgage on the loaner’s income and on the credit balances for all the loaner’s  open accounts with the bank;
  • Mortgage on a deposit that has an amount equal to 3 installments.
Calculation example

For a New House Loan of 230.000 RON, granted for a 25-year period, 300 installments with a variable interest rate of 3,88% calculated as IRCC (1.88% valid at 01.01.2021) + fixed margin of 2%, loan analysis fee of 0 Lei, National Registry for Movable Guarantees registration cost of 87.60 RON, property appraisal cost of 450 RON according to the market information obtained by the bank, account opening and administration fees of 5 RON/month, FNGCIMM administration fee of 0,202% applied to the loan balance, the APR is 4,27%, the monthly installment is 1.250,30   RON and the total payable amount at the end of the loan period is 369.788,62 RON.

Warning! By obtaining this type of loan you will be exposed to the following risks which may affect your repayment capacity: the fluctuation of your incomes, the variation of the reference index IRCC/EURIBOR which can lead to the interest rate increase and the increase of the monthly amounts to be reimbursed.

According to the legal requirements, we inform you that concluding a credit contract in other currency than the one in which the incomes are obtained will expose you to the currency risk wich may affect your repayment capacity. This risk occurs in the moment the loan currency appreciates compared to the currency of the incomes or the assets based on which the loan will be reimbursed, determining the increase of the monthly payment obligation.

Also, we inform you that you can conclude, at your own expense, an insurance contract for risk of default, a product offered by the insurance companies.

The notary costs, the guarantee registration/cancelation/modification in Electronic Archive, the guarantee registration/cancelation/modification in Land Registry, as well as the insurances (life and real estate) are not known by the lender and therefore are not included in the calculation example.

With low energy consumption, you have low interest consumption. With Green Mortgage you can buy an energy efficient house and in addition you benefit from an advantageous interest rate.

 

credit ipotecar unicreditbank

Green Mortgage has the following characteristics:

    Currency: lei;

    Value: maximum 250.000 euros (the equivalent in lei);

    Period: between 5 and 30 years;

    Down-payment from 15%;

    Guarantee:first rank mortgage on the purchased house;

    Insurances:real estate insurance and life insurance transferred in favor of the Bank;

  • Co-debtors: up to 2 co-debtors, from whom co-debtor 1 is husband / wife / partner (the co-debtor must meet the same criteria as the applicant) and co-debtor 2 is father / mother / father-in-law / mother-in-law / brother / sister / son / daughter of the borrowers (retired persons are also accepted). The second co-debtor must meet the same criteria as the applicant.
  • Destination: acquisition of a completed building / dwelling, built after 01.01.2000, included in energy efficiency class A or B +, according to the energy efficiency certificate.
 
Eligibility requirements

To obtain this product, the following minimum eligibility requirements must be fulfilled:

  • Minimum age: 20/25 years old (for navigators);
  • Maximum age 70 years old/ 65 for patented navigators and 60 for non-patented navigators (by this age the loan will be fully reimbursed);
  • Eligible monthly income per family: minimum 1000 lei (250 euros for navigators).
Required documents

Documents required for financial approval:

  • ID card/Passport;
  • Income certification documents;
  • Loan request which includes the approval for the inquiry of the Credit Bureau and of the Central Credit Register.

 

Documents required for the legal opinion and final approval:

  • Real estate documents (assessment report, sale/purchase agreement, Land Register excerpt, Land Register registration, OCPI registration etc.);
  • Insurances (real estate and life).

Attention: if you apply with a co-debtor, such as the spouse, he / she will have to provide the same documents. Because a mortgage is a long-term commitment, make sure you spend enough time and complete the loan application as carefully as possible.

 

 

Interest rates and fees

5 years fixed interest rate and then variable:

Income domiciliation** Currency Fixed interest fee first 5 years Variable interest fee starting 6th year (%) Index for variable interest fee Index value (%) Fixed margin (%) APR (%)
YES LEI
4,29
4,37 IRCC 1,88*
2,49 4,97

**the income will be received into a current account opened with UniCredit Bank

  • APR (effective annual interest rate) is calculated for a loan of 230.000 lei granted for a period of 25 years.

  • APR includes the following costs: annual interest, file analysis fee, property appraisal cost, Electronic Archive registration cost, the cost of opening and maintaining a current account, insurance concluded with an insurance company for which the bank has the quality of intermediary.

  • The variable interest rate is revised quarterly on 01.01, 01.04, 01.07 and 01.10 based on IRCC.

  • The penalty interest rate is calculated based on fix percentage of 3% added to current interest rate and applied to overdue principal.

Fees

Fee Value
File analysis fee 900 LEI

 

Other costs:

  • The cost of the evaluation report for the pledged real estate;

  • Notary costs;

  • Fees related to the registration with the Electronic Archive (AEGRM) ;

  • The real estate and life insurance costs.

Insurances

To obtain this loan you need protection provided by insurances, for the entire period of the contract. 

We are offering you several insurance packs, both life insurances and real estate insurances, from which you and your loan consultant can select the offer that best fits your needs.

  • Life insurance, which covers the risk of death caused by an illness or an accident, as well as the risk of permanent impairment (disability) due to accident;
  • Real estate insurance for the real estate brought into guarantee, which means both the mandatory insurance against natural disasters PAD (law 260/2008) and the optional one, which covers damage caused by fire, lightning, explosions or other events, up to the market value of the real estate brought in guarantee. This optional insurance policy also insures against natural disasters for amounts that exceed the 20,000 euros of the PAD policy.

You can choose to conclude the insurance policies with the insurance companies for which the bank acts as an intermediary or you can choose any other insurance company.

Guarantees

In order to get this loan, the following guarantees will be established: 

  • First rank mortgage of the real estate property that is being purchased;
  • Mortgage on the accounts opened with the Bank;
  • Mortgage on the Borrowers’ income, regardless of the title with which it is earned;;
  • Cession / establishing the bank as the only beneficiary on the claims resulting from the real estate insurance in favor of the Bank;
  • Establishing the bank as the only beneficiary the claims resulting from the life insurance in favor of the Bank.

 

Calculation example

*For a Real Estate Acquisition Loan – Green Mortgage of 230.000 RON, granted for a 25-year period, 300 installments, with the incomes received into a UniCredit Bank account , with a fixed interest rate of 4.29% within the first five years and variable interest rate, starting with the 6th year, of 4.37% calculated as IRCC (1.88% valid at 01.01.2021) + fixed margin of 2.49%, loan analysis fee of 900 RON, National Registry for Movable Guarantees registration cost of 87.60 RON, property appraisal cost of 450 RON according to the market information obtained by the bank, account opening and administration fees of 5 RON/month, life insurance*** of 0.0416% / month applied to the monthly balance, with a company for which the bank acts as an intermediary, the APR is 4.97%, the monthly installment is 1,305.37   RON within the first five years and 1,307.87  RON, starting with the 6th year, the total payable amount at the end of the loan period is 396,986.50 RON.

***Concluding a life insurance is mandatory. The cost from the example above is medium and is based on the assumption that the borrower’s age at loan granting date is 36 years and fulfills the standard requirements regarding the health condition (appliance of an increased premium is not necessary) containing insurance premiums of: 0.0214% applied monthly to the loan balance until the age of 46, 0.0631% applied monthly to the loan balance until the age of 56 and 0.1072% starting with the age of 56. If you will choose to conclude a life insurance with a company for which the bank does not act as an intermediary, the insurance costs are not known by the bank and will not be included in APR.

This loan has to be guaranteed through a mortgage over a real estate property and presumes concluding and maintaining until the end of the credit contract of a life insurance policy and a building insurance policy for the mortgaged property. The notary costs, the guarantee registration/cancelation/modification in Electronic Archive, the guarantee registration/cancelation/modification in Land Registry, as well as the real estate insurance is not known by the lender and therefore are not included in the calculation example.

Warning!

By obtaining this type of loan you will be exposed to the following risks which may affect your repayment capacity: the fluctuation of your incomes, the variation of the reference index IRCC which can lead to the interest rate increase and the increase of the monthly amounts to be reimbursed.

According to the legal requirements, we inform you that concluding a credit contract in other currency than the one in which the incomes are obtained will expose you to the currency risk which may affect your repayment capacity. This risk occurs in the moment the loan currency appreciates compared to the currency of the incomes or the assets based on which the loan will be reimbursed, determining the increase of the monthly payment obligation.

Also, we inform you that you can conclude, at your own expense, an insurance contract for risk of default, a product offered by the insurance companies.

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