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The price of my dream home isTo renovate I needThe value of the investment is .
To realize my plan I need to borrow .
I can count on a monthly income of . I am years old and I want to repay it in years


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Useful Information 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: a favorable interest rate, flexibility and a loan approval period up to 90 days.


credit ipotecar unicreditbank

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

  • Currency: lei, euros ( loans in euros can be accessed only by clients with revenues in euro);
  • Value: maximum 250.000 euros (or the equivalent amount in lei);
  • Downpayment: min.15%;
  • Time period: 3 to 30 years (35 years for amounts in lei);
  • 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 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).

Interest rates and fees

Interest rates

Currency
Index
Index value (%)
Fixed margin (%)
Variable interest rate (%)
APR (%)
LEI
ROBOR 3M
3,15 3,35 6,50
7,23
EUR EURIBOR 3M
-0,319 7,35 7,031 7,80

Currency
Fixed interest rate first 5 years (%)
Variable interest rate in the 6th year (%)
Index for variable interest rate Index value (%)
Fixed margin (%)
APR (%)
LEI
6,20
6,15 ROBOR 3M
3,15
3,00
6,89

APR (effective annual interest rate) is calculated for a loan of 50.000 euros, respectively 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, account opening and administration fees.

The interest rate is revised quarterly, every 3 months  (31.03, 30.06, 30.09 and 31.12).

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

Penalty interest rate is composed of current interest rate + fix procentage of 3%.

Fees

Fee
LEI
EUR
File analysis fee 900 LEI
200 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 (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 (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

For a Real Estate Acquisition Loan of 50.000 EUR/230.000 RON, granted for a 25-year period, 300 installments with a variable interest rate of 6,50% calculated as ROBOR 3 months + fixed margin of 3,35% for RON / variable interest rate of 7,031% calculated as EURIBOR 3 months + fixed margin of 7,35% for EUR, loan analysis fee of 900 RON / 200 EUR, Electronic Archive registration cost of 70 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 / 1 EUR/month for EUR accounts, the APR is 7,23% for RON /7,80% for EUR, the monthly installment is 1.607,20 RON / 366,08 EUR, and the total payable amount at the end of the loan period is 487.087,64 RON / 110.984,05 EUR.

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 ROBOR/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 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 First House loan that helps you buy the house you want.

You only need to put downpayment of 5%, and benefit from a convenient interest rate, plenty of flexibility, and a loan approval period of up to 90 days.



prima casa UniCredit Bank

Facilitatea de credit “First House Mortgage” has the following characteristics:

  • Currency: lei;
  • Value:
  1. Purchase: 57.000 euro* or 66.500 euro* for new houses (lei equivalent), with a construction authorization dated after 22.02.2010.
  2. Construction: 66.500 euro* (single applicant) or 71.250 euros* (a minimum of 2 applicants)

*the equivalent amount in lei at is valid on the day that the National Loan Guarantee Fund for Small and Medium-Sized Enterprises (FNGCIMM) approves the guarantee application

  • Period: between 3 and 30 years;
  • Down payment: minimum 5%;
  • 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 First 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
ROBOR 3M
3,15 2 5,15
0,0189 5,55


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 interest rate is revised quarterly, every 3 months  (31.03, 30.06, 30.09 and 31.12).

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 (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:

  • 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 First House Loan of 230.000 RON, granted for a 25-year period, 300 installments with a variable interest rate of 5,15% calculated as ROBOR 3 months + fixed margin of 2%, loan analysis fee of 0 Lei, Electronic Archive registration cost of 70 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, FNGCIMM administration fee of 0,0189% applied to the loan balance, the APR is 5,55%, the monthly installment is 1.413,20 RON and the total payable amount at the end of the loan period is 418.822,84 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 ROBOR/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 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.

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.


Change your home the way you want!

If you want to arrange, modernize or improve your home, UniCredit Bank is here for you, providing you with the necessary amount, in the best conditions.



renovare

The “Loan for Arrangements, Modernization or Development” delivers the following parameters:

  • Currency: lei;
  • Value: between 20.000 and 600.000 lei;
  • Period: between 1 to 30 years;
  • Guarantee: first rank mortgage on a real estated owned by the applicant or by a third party;
  • Maximum loan amount: up to 70% from the real estate brought as guarantee;
  • Insurances: real estate insurance and life insurance transferred in favor of the Bank;
  • Codebitors: 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.

By applying to a loan with a variable interest rate you will be subject to interest rate risk, which can affect your ability to pay the monthly payments. This risk is generated by an increase in public benchmark index, which can raise the interest rate and increasing the monthly amount to be reimbursed.

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.
  • 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 (%)
APR (%)
LEI
ROBOR 3M
3,15 4 7,15
7,94
Currency
Fixed interest rate first 3 years (%)
Variable interest rate in the 4th year (%)
Index for variable interest rate
Index value (%)
Fixed margin (%)
APR (%)
LEI
7
7,16 ROBOR 3M
3,15
4
7,98

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, account opening and administration fees.


The interest rate is revised quarterly, every 3 months (31.03, 30.06, 30.09 and 31.12).

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

The penalty interest rate is composed of current interest rate + fix procentage of 3%.

Fees

Fee
LEI
File analysis fee
1200 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 on a real estate property that respects Bank's standards or mortgage on a collateral deposit account opened by the client or any third party 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

For an Arrangements/Modernization/Development Loan of 230.000 RON, granted for a 25-year period, 300 installments with a variable interest rate of 7,15% calculated as ROBOR 3 months + fixed margin of 4%, loan analysis fee of 1.200 RON, Electronic Archive registration cost of 70 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, the APR is 7,94%, the monthly installment is 1.701,89 RON, and the total payable amount at the end of the loan period is 516.114,80 RON. 

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 ROBOR 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.

We lend a helping hand to build your home!

The Real-estate Construction Loan provides you with great flexibility, advantageous interest, and a loan use period up to 12 months.



credit constructie unicreditbank

The “Construction Loan” delivers the following parameters:

  • Currency: lei, euros; (loans in euro are accessed by clients with revenues in euro);
  • Value: maximum 250.000 euros (or the equivalent amount in lei);
  • Downpayment: min.15%;
  • Period: from 3 to 30 yeards (35 years for amounts in lei);
  • Guarantee: first rank mortgage on the real estate that is being built;
  • Insurances: real estate insurance and life insurance transferred in favor of the Bank;
  • Codebitors: 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.

By applying to a loan with a variable interest rate you will be subject to interest rate risk, which can affect your ability to pay the monthly payments. This risk is generated by an increase in public benchmark index, which can raise the interest rate and increasing the monthly amount to be reimbursed.

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:

  • Proof of ownership of the land intented for construction;
  • The approvals required for building authorization;
  • Building authorization, (Town) Planning Certificate;
  • Work estimate (must be signed by an authorized company);
  • The construction contract, the work schedule, and if aplicable the financing plan, if the construction is done by an authorized contractor;
  • Technical building project, signed and sealed by the local authorities, endorsed for proof of non-alteration;
  • Land evaluation report and the building project.

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 (%)
APR (%)
LEI
ROBOR 3M
3,15 3,35 6,50
7,23
EUR EURIBOR 3M
-0,319 7,35 7,031 7,80
Currency
Fixed interest rate first 3 years (%)
Variable interest rate in the 4th year (%) Index for variable interest rate
Index value (%)
Fixed margin (%)
APR (%)
LEI
6,45
6,16 ROBOR 3M
3,15
3
7,21


APR (effective annual interest rate) is calculated for a loan of 50.000 euros, respectively 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, account opening and administration fees.

The interest rate is revised quarterly, every 3 months  (31.03, 30.06, 30.09 and 31.12).

Penalty interest Calculated based on fix procentage of 3% added to current interest rate and applyed to overdue principal.

Penalty interest rate compses of current interest rate + fix procentage of 3%.

Fees

Fee
LEi
EUR
File analysis fee
900 LEI
200 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 (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 on the land and future construction or a mortgage on a collateral deposit account opened by the client with the bank that isestablished 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 regarding 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 Construction Loan of 50.000 EUR/230.000 RON, granted for a 25-year period, 300 installments with a variable interest rate of 6,50% calculated as ROBOR 3 months + fixed margin of 3,35% for RON / variable interest rate of 7,031% calculated as EURIBOR 3 months + fixed margin of 7,35% for EUR, loan analysis fee of 900 RON / 200 EUR, Electronic Archive registration cost of 70 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 / 1 EUR/month for EUR accounts, the APR is 7,23% for RON /7,80% for EUR, the monthly installment is 1.607,20 RON / 366,08 EUR, and the total payable amount at the end of the loan period is 487.087,64 RON / 110.984,05 EUR. 

This loan has to be guaranteed through a mortgage over a real estate property and presumes conluding 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 ROBOR/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 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.

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