Mortgage loans

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.

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 350.000 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;

Co-debtors: up to 2 co-debtors, co-debtor 1 (any person who together with the applicant, becomes co-owner of the property acquired on loan ) 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: Maximum retirement age / 70 years old in the case of single income from PFA/dividends / 65 years for patented navigators and 60 years for non-patented navigators (by this age the loan will be fully reimbursed);
Eligible monthly income: minimum eligible monthly net income of 2,000 RON for each applicant, co-debtor 1 or co-debtor 2.

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 (for example: Property title to the real estate; Act of the tabulation of the right of ownership/Extract from the Land Book of information; Cadastral documentation; Certificate of energy efficiency; Rental contract/commodity, if there is such a contract concluded; Pre-sale purchase contract, if it has been concluded. Please note that depending on the concrete situation of the property, the Bank may request additional documents.Insurances (real estate and life);
Insurances (real estate and life).

Interest rates and fees

MORTGAGE/HOUSING LOAN IN LEI, FOR THE PURCHASE OF A HOUSE, WITH VARIABLE INTEREST RATE COMPOSED OF IRCC REFFERENCE INDEX AND A FIXED MARGIN
	Discount applied to the standard annual interest rate	Variable interest (it includes the discount***, if applicable)	APR
Standard annual interest rate	NA	IRCC* + 3,10%/year	10,06%/year(repayment in decreasing installments) 10,01%/year(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions***	0,4 p.p.	IRCC* + 2,70%/year	9,62%/year(repayment in decreasing installments 9,57%/year(repayment in equal installments)

MORTGAGE/ HOUSING LOAN FOR THE PURCHASE OF A HOUSE, WITH FIXED INTEREST RATE IN THE FIRST 3 YEARS / 5 YEARS AND WITH VARIABLE INTEREST RATE COMPOSED OF IRCC AND A FIXED MARGIN
	Discount applied to the standard annual fixed interest rate	Fixed interest rate for the first 3 years / 5 years(it includes the discount***, if applicable)	Discount applied to the standard annual variable interest rate	Variable interest rate starting with the 4th year / 6th year (it includes the discount***, if applicable)	APR
Standard annual interest rate(3 years fix)	NA	6,50%	NA	IRCC* + 2,50%	8,61%/an(repayment in decreasing installments) 8,86%/an(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions*** (3 years fix)	1,11 p.p.	5,39%	0,10 p.p.	IRCC* + 2,40%	8,02%/an(repayment in decreasing installments) 8,14%/an(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions * for the Green Mortgage Loan** / Refinancing Loan (3 years fixed interest)	1,21 p.p.	5,29%	0,20 p.p.	IRCC** + 2,30%	8,02%/an(repayment in decreasing installments) 8,14%/an(repayment in equal installments)
Standard annual interest rate(5 years fix)	NA	7,50%	NA	IRCC* + 2,60%	8,61%/an(repayment in decreasing installments) 8,68%/an(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions***(5 years fix)	1,6 p.p	5,90%	0,20 p.p	IRCC* + 2,40%	7,87%/an(repayment in decreasing installments) 8,00%/an(repayment in equal installments)

* IRCC reference index is 5.99% on 01.10.2024.

** see representative examples below.

*** The Discount of the annual interest rate will be applied under the conditions and situations provided in the loan contract, following the fulfillment of (i) the Monthly turnover condition, representing the obligation to ensure a total monthly credit turnover through the current accounts of the Borrower who signed the credit application as Applicant, opened at UniCredit Bank, which represents at least 70% of its income taken into account by the Bank for granting the loan and (ii) the Life insurance condition representing the obligation of the Borrower who signed the loan application as Applicant to conclude and maintain during the loan period a life insurance policy.

**** It is intended for the purchase of a completed house classified in energy efficiency class A or superior (according to the energy performance certificate).

APR (effective annual interest rate) is calculated for a loan of 300.000 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 penalty 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 (only if you wish to benefit from the interest discount, being necessary also to fulfill the other contractual conditions);
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 (only if you wish to benefit from the interest discount, being necessary also to fulfill the other contractual conditions).

Calculation example

In the event of applying the standard interest for the entire duration of the loan: for a mortgage/real estate loan for the purchase of a house from UniCredit Bank S.A., in the amount of 300,000 Lei, over a period of 25 years, 300 installments, with a standard variable interest rate of 9,09%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 3.10%/year, analysis commission of 900 lei, fee for registration of security guarantees at the National Register of Securities Advertising (RNPM) ) of 87.60 Lei, the cost of evaluating the property of approximately 450 Lei according to the market information held by the creditor, the costs of opening and maintaining a current account of 10 Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal), the APR is 10.06%, the first monthly installment is 3.360,20 Lei, and the total payment amount at the end of the crediting period is 658.142,70 Lei and in the case of repayment in equal monthly installments (annuities) APR is 10.01%, the monthly rate is 2.623,80 Lei, and the total payment amount at the end of the crediting period is 781.025,29 lei.

In the event of application of the reduced interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the life insurance condition, for a mortgage/real estate loan for the purchase of a house: from UniCredit Bank S.A., in the amount of 300,000 lei, for a period 25 years, 300 installments, with reduced variable interest of 8.69%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 2.70%/year, analysis commission of 900 Lei , the registration fee of securities at the National Register of Securities Advertising (RNPM) of 87.60 lei, the cost of property evaluation of approximately 450 lei according to market information held by the creditor, the costs of opening and maintaining a current account of 10 lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal) APR is 9.62%, the first monthly installment is 3.260,20 Lei, and the total amount of payment at the end of the credit period is 643.092,70 Lei, and in the case of repayment in equal monthly installments (annuities), the APR is 9.57%, the monthly installment is 2.541,91 Lei , and the total payment amount at the end of the crediting period is 781.025,29 Lei.

In the event of applying the standard interest rate throughout the duration of the loan: for a Home Purchase Mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, over a period of 25 years, 300 installments, with the standard fixed interest rate in the first 3 years of 6.50% and the standard variable interest, starting with the 4th year, of 8.49%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 2.50%/year, analysis commission of 900 lei, the registration fee for securities at the National Registry of Real Estate Advertising (RNPM) of 87.60 lei, the cost of evaluating the property of approximately 450 lei according to market information held by the creditor, the costs of opening and maintaining a current account in 10 lei Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal), the APR is 8.61%, the first monthly installment is 2.712,70 Lei in the first 3 years and 2.946,58 Lei starting with the 4^th year, and the total payment amount at the end of the crediting period is 618.702,45 lei and in the case of repayment in equal monthly installments (annuities) APR is 8.68%, the monthly rate is 2.113,32 lei in the first 3 years and 2.463,84 lei starting with the 4th year, and the total payment amount at the end of the crediting period is 721.077,85 lei.

In the event of applying the discounted interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the Life Insurance Condition: for a Home Purchase Mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, for a period of 25 years , 300 installments, with reduced fixed interest in the first 3 years of 5.39%/year and reduced variable interest, starting with the 4th year, of 8.39%/year made up of IRCC (5.99% on 01.10.2024) + fixed margin 2.40%/year, analysis commission of 900 lei, fee for registration of securities at the National Register of Securities Advertising (RNPM) of 87.60 lei, the cost of property evaluation of approximately 450 lei according to information from market held by the creditor, the costs of opening and maintaining a current account in Lei of 10 Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal principal installments), the APR is 8.13%, the first monthly installment is 2.435,20 Lei in the first 3 years and 2.924,18 Lei starting with the 4^th year, and the total payment amount at the end of the credit period is 606.380,20 lei and in the case of repayment in equal monthly installments (annuities) APR is 8.25%, the first monthly installment is 1,910.31 lei in the first 3 years and 2.422,76 lei starting with the 4th year, and the total payment amount at the end of the crediting period is 702.946,18 lei.

In the event of applying the discounted interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the Life Insurance Condition: for a Home Purchase Green** Mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, for a period of 25 years , 300 installments, with reduced** fixed interest in the first 3 years of 5.29%/year and reduced variable interest, starting with year 4, of 8.29%/year consisting of IRCC (5.99% as of 01.10.2024) + fixed margin 2.30%/year, analysis commission of 900 lei, fee for registration of securities at the National Register of Securities Publicity (RNPM) of 87.60 lei, the cost of appraising the property of approx. 450 lei according to market information held by the creditor, the costs of opening and maintaining a current account in lei of 10 lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank has the quality of an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal) APR is 8.02%, the first monthly installment is 2,410.20 Lei in the first 3 years and 2,902.18 Lei starting with the 4th year, and the amount the total payment at the end of the crediting period is 602,617.07 lei and in the case of repayment in equal monthly installments (annuities) APR is 8.14%, the first monthly installment is 1,892.53 lei in the first 3 years and 2,402.41 lei starting with year 4, and the total payment amount at the end of the crediting period is 696,907.34 Lei.

In the event of applying the standard interest rate throughout the duration of the loan: for a Home Purchase Mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, over a period of 25 years, 300 installments, with the standard fixed interest rate in the first 5 years of 7.50% and the standard variable interest, starting with year 6, of 8.59%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 2.60%/year, analysis commission of 900 lei, the registration fee for securities at the National Registry of Real Estate Advertising (RNPM) of 87.60 lei, the cost of evaluating the property of approximately 450 lei according to market information held by the creditor, the costs of opening and maintaining a current account in 10 lei Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal) DAE is 8.86%, the first monthly installment is 2,962.70 lei in the first 5 years and 2.790,16 lei starting with the 6th year, and the total amount of payment at the end of the crediting period is 624.587,95 lei and in the case of repayment in equal monthly installments (annuities) APR is 8.90%, the monthly rate is 2,304.67 lei in the first 5 years and 2.485,20 lei starting with the 6th year, and the total amount of payment at the end of the crediting period is 729.800,87 lei.

In the event of applying the discounted interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the Life Insurance Condition: for a Home Purchase Mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, for a period of 25 years , 300 installments, with reduced fixed interest in the first 5 years of 5.90%/year and reduced variable interest, starting with the 6th year, of 8.39%/year made up of IRCC (5.99% on 01.10.2024) + fixed margin 2.40%/year, analysis commission of 900 lei, fee for registration of securities at the National Register of Securities Advertising (RNPM) of 87.60 lei, the cost of property evaluation of approximately 450 lei according to information from market held by the creditor, the costs of opening and maintaining a current account in Lei of 10 Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in in the case of repayment in decreasing monthly installments (equal principal installments) the APR is 7.87%, the first monthly installment is 2,562.70 Lei in the first 5 years and 2.750,16 Lei starting with the 6th year, and the total payment amount at the end of the period of credit is 598.127,95 lei and in the case of repayment in equal monthly installments (annuities) APR is 8.00%, the first monthly installment is 2,002.31 lei in the first 5 years and 2.399,09 lei starting with the 6th year, and the amount total payment at the end of the crediting period is 691.015,10 lei.

*Concluding and maintaining a life insurance is mandatory for the application of the Discount to the annual interest rate. The cost from the example above is based on the assumption that the borrower will choose a life insurance intermediated by the bank, 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 premium of: 0.0259% applied monthly to the loan balance.

**It is intended for the purchase of a completed house classified in energy efficiency class A or superior (according to the energy performance certificate).

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 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 contracting this type of credit, you are subject to the following risks that may affect your ability to pay: fluctuations in your own income, variations in the IRCC reference index that may increase the interest rate and increase the monthly amount to be repaid.

In accordance with the legal requirements, we inform you that concluding a credit agreement in a currency other than the one in which you obtain your income exposes you to currency risk, which may affect your ability to pay. This risk occurs when the currency in which you contract a loan appreciates compared to the currency in which you collect the income or hold the assets based on which you are going to repay the loan, leading to an increase in the monthly payment amount.

We also inform you that you can conclude, at your own expense, an insurance contract for the financial risk of non-payment, offered by insurance companies.

The main advantages/disadvantages/risks associated with legal loan repayment methods:

Constant annuity (equal rates):
- monthly rate consists of an increasing principal component and a decreasing interest component;
- increase in the reference index used for interest calculation can lead to an increase in the annuity, to an increase in the interest component and to a decrease in the principal component;
- in the first part of the crediting period, the monthly principal rate to be repaid is lower, compared to the other repayment option, the principal component of the total monthly rate being lower than the interest;
- the amount of the loan to which the applicant falls is higher;
- the rate of reduction/decrease of the credit balance is low;
- total interest paid is higher than in the case of decreasing rates.
Equal principal (decreasing rates):
- monthly installment is composed of equal principal (throughout the duration of the loan) and decreasing interest;
- increase in the reference index used for interest calculation can lead to an increase in the total monthly rate and the interest component, without changing the principal component;
- in the first part of the loan, the monthly rate to be repaid is higher;
- the amount of the loan to which the applicant falls is lower;
- the rate of decrease/decrease of the credit balance is higher;
- total interest paid is lower than in the case of equal rates.

In both cases, the monthly interest due is the result of applying the interest rate to the loan balance (the amount representing capital remaining to be repaid).

The variation of the reference index used to calculate the variable interest, the value and duration of the loan influences the proportion of the principal and interest components that make up the monthly rate.

Your first home is closer than you think!

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

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: Maximum retirement age / 70 years old in the case of single income from PFA/dividends / 65 years for patented navigators and 60 years 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 (for example: Property title to the real estate; Act of the tabulation of the right of ownership/Extract from the Land Book of information; Cadastral documentation; Certificate of energy efficiency; Rental contract/commodity, if there is such a contract concluded; Pre-sale purchase contract, if it has been concluded. Please note that depending on the concrete situation of the property, the Bank may request additional documents.
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

5,99

7,99

0,0151

9.02% (repayment in decreasing installments)

8.99% (repayment in equal installments)

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 from UniCredit Bank S.A., in the amount of 230,000 Lei, over a period of 25 years, 300 installments, with a variable interest rate of 7.99% made up of IRCC (5.99% on 01.10.2024) + fixed margin 2%, analysis commission of 0 Lei, fee for registration of securities at the National Registry of Securities Advertising (RNPM) of 87.60 Lei, the cost of evaluating the property of approximately 450 Lei according to market information held by the lender, opening and maintenance costs a current account in lei of 10 lei/month, management fee due for the guarantee issued by FNGCIMM of 0.0151% calculated on the monthly balance of the loan, in the case of repayment in decreasing monthly installments (equal installments of the principal) APR is 9,02%, the first monthly installment is 2.402,38 Lei, and the total amount of payment at the end of the crediting period is 478.207,96 Lei in the case of repayment in equal monthly installments (annuities) DAE is 8.99%, the monthly installment is of 1.877,95 lei, and the total payment amount at the end of the crediting period is 554.235,95 lei.

We also inform you that you can conclude, at your own expense, an insurance contract for the financial risk of non-payment, offered by insurance companies.

The main advantages/disadvantages/risks associated with legal loan repayment methods:

Constant annuity (equal rates):
- monthly rate consists of an increasing principal component and a decreasing interest component;
- increase in the reference index used for interest calculation can lead to an increase in the annuity, to an increase in the interest component and to a decrease in the principal component;
- in the first part of the crediting period, the monthly principal rate to be repaid is lower, compared to the other repayment option, the principal component of the total monthly rate being lower than the interest;
- the amount of the loan to which the applicant falls is higher;
- the rate of reduction/decrease of the credit balance is low;
- total interest paid is higher than in the case of decreasing rates.
Equal principal (decreasing rates):
- monthly installment is composed of equal principal (throughout the duration of the loan) and decreasing interest;
- increase in the reference index used for interest calculation can lead to an increase in the total monthly rate and the interest component, without changing the principal component;
- in the first part of the loan, the monthly rate to be repaid is higher;
- the amount of the loan to which the applicant falls is lower;
- the rate of decrease/decrease of the credit balance is higher;
- total interest paid is lower than in the case of equal rates.

In both cases, the monthly interest due is the result of applying the interest rate to the loan balance (the amount representing capital remaining to be repaid).

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.

Green Mortgage has the following characteristics:

Currency: lei;

Value: maximum 350.000 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;

Co-debtors: up to 2 co-debtors, co-debtor 1 (any person who together with the applicant, becomes co-owner of the property acquired on) 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, included in energy efficiency class A or superior, 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: Maximum retirement age / 70 years old in the case of single income from PFA/dividends / 65 years for patented navigators and 60 years for non-patented navigators (by this age the loan will be fully reimbursed);
Eligible monthly income: minimum eligible monthly net income of 2,000 RON for each applicant, co-debtor 1 or co-debtor 2.

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 (for example: Property title to the real estate; Act of the tabulation of the right of ownership/Extract from the Land Book of information; Cadastral documentation; Certificate of energy efficiency; Rental contract/commodity, if there is such a contract concluded; Pre-sale purchase contract, if it has been concluded). Please note that depending on the concrete situation of the property, the Bank may request additional documents. Insurances (real estate and life);
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

MORTGAGE/HOUSING LOAN IN LEI, FOR THE PURCHASE OF A HOUSE, WITH VARIABLE INTEREST RATE COMPOSED OF IRCC REFFERENCE INDEX AND A FIXED MARGIN
	Discount applied to the standard annual variable interest rate	Variable interest rate (it includes the discount***, if applicable)	APR
Standard annual interest rate	NA	IRCC* + 3,10%/year	10,06%/year(repayment in decreasing installments) 10,01%/year(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions* for Green Mortgage******	1,0 p.p.	IRCC* + 2,10%/year	8,95%/year(repayment in decreasing installments) 8,91%/year(repayment in equal installments)

MORTGAGE LOAN FOR THE PURCHASE OF A HOUSE (INCLUDING GREEN MORTGAGE), WITH FIXED INTEREST RATE IN THE FIRST 3 YEARS / 5 YEARS AND WITH VARIABLE INTEREST RATE COMPOSED OF IRCC AND A FIXED MARGIN
	Discount applied to the standard annual fixed interest rate	Fixed interest rate for the first 3 years / 5 years(it includes the discount***, if applicable)	Discount applied to the standard annual variable interest rate	Variable interest rate starting with the 4^th / 6^th year (it includes the discount***, if applicable)	APR
Standard annual interest rate(3 years fix)	NA	6,50%	NA	IRCC* + 2,50%	8,61%/year(repayment in decreasing installments) 8,68%/year(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions*** (3 years fix)	1,11 p.p.	5,39%	0,10 p.p.	IRCC** + 2,40%	8,13%/year(repayment in decreasing installments) 8,25%/year(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions * for the Green Mortgage Loan** / Refinancing Loan (3 years fixed interest)	1,21 p.p.	5,29%	0,20 p.p.	IRCC** + 2,30%	8,02%/year(repayment in decreasing installments) 8,14%/year(repayment in equal installments)
Standard annual interest rate(5 years fix)	NA	7,50%	NA	IRCC** + 2,60%	8,86%/year(repayment in decreasing installments) 8,90%/year(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions* for Green Mortgage**(5 years fix)	1,6 p.p	5,90%	0,2 p.p	IRCC** + 2,40%	7,87%/year(repayment in decreasing installments) 8,00%/year(repayment in equal installments)

* IRCC reference index is 5.99% on 01.10.2024.

** see representative examples below.

***The Discount of the annual interest rate will be applied under the conditions and situations provided in the loan contract, following the fulfillment of (i) the Monthly turnover condition, representing the obligation to ensure a total monthly credit turnover through the current accounts of the Borrower who signed the credit application as Applicant, opened at UniCredit Bank, which represents at least 70% of its income taken into account by the Bank for granting the loan and (ii) the Life insurance condition representing the obligation of the Borrower who signed the loan application as Applicant to conclude and maintain during the loan period a life insurance policy.

**** It is intended for the purchase of a completed house classified in energy efficiency class A or superior (according to the energy performance certificate).

APR (effective annual interest rate) is calculated for a loan of 300.000 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 (only if you wish to benefit from the interest discount, being necessary also to fulfill the other contractual conditions);
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 (only if you wish to benefit from the interest discount, being necessary also to fulfill the other contractual conditions).

Calculation example

In the event of applying the standard interest rate for the entire duration of the loan: for a Home Purchase Mortgage loan - Green Mortgage Loan from UniCredit Bank S.A., in the amount of 300,000 Lei, over a period of 25 years, 300 installments, with a standard variable interest rate of 9.09%/year made up of IRCC (5.99% as of 01.10.2024) + fixed margin 3.10%/year, analysis commission of 900 lei, registration fee of securities at the National Registry of Securities Advertising (RNPM) ) of 87.60 Lei, the cost of evaluating the property of approximately 450 Lei according to the market information held by the creditor, the costs of opening and maintaining a current account of 10 Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal), the APR is 10.06%, the first monthly installment is 3.360,20 Lei, and the total payment amount at the end of the crediting period is 658.142,70 lei and in the case of repayment in equal monthly installments (annuities) APR is 10.01%, the monthly rate is 2.623,80 lei, and the total payment amount at the end of the crediting period is of 781.025,29 Lei.

In the event of applying the reduced interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the life insurance condition: for a home purchase mortgage loan - the Green Mortgage loan from UniCredit Bank S.A., in the amount of 300,000 lei, on a period of 25 years, 300 installments, with reduced variable interest of 8.09%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 2.10%/year, analysis commission of 900 Lei, the registration fee for securities at the National Register of Securities Advertising (RNPM) of 87.60 lei, the cost of evaluating the property of approximately 450 lei according to the market information held by the creditor, the costs of opening and maintaining a current account of 10 lei/month, insurance of life* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal) APR is 8.95%, the first the monthly rate is 3.110,20 Lei, and the total amount of payment at the end of the crediting period is 620.517,70 Lei, and in the case of repayment in equal monthly installments (annuities), the APR is 8.91%, the monthly rate is 2.421,06 Lei , and the total payment amount at the end of the crediting period is 719.814,03 Lei.

In the event of applying the standard interest rate throughout the duration of the loan: for a Home Purchase Mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, over a period of 25 years, 300 installments, with the standard fixed interest rate in the first 3 years of 7.00% and the standard variable interest, starting with the 4th year, of 8.39%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 2.60%/year, analysis commission of 900 lei, the registration fee for securities at the National Registry of Real Estate Advertising (RNPM) of 87.60 lei, the cost of evaluating the property of approximately 450 lei according to market information held by the creditor, the costs of opening and maintaining a current account in 10 lei Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal), the APR is 8.13%, the first monthly installment is 2.435,20 Lei in the first 3 years and 2.924,18 Lei starting with the 4^th year, and the total payment amount at the end of the crediting period is 606.380,20 lei and in the case of repayment in equal monthly installments (annuities) APR is 8.25%, the monthly rate is 1.910,31 lei in the first 3 years and 2.422,76 lei starting with the 4th year , and the total payment amount at the end of the crediting period is 702.946,18 lei.

In the event of applying the discounted interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the Life Insurance Condition: for a Home Purchase Green** Mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, for a period of 25 years , 300 installments, with reduced** fixed interest in the first 3 years of 5.29%/year and reduced variable interest, starting with year 4, of 8.29%/year consisting of IRCC (5.99% as of 01.10.2024) + fixed margin 2.30%/year, analysis commission of 900 lei, fee for registration of securities at the National Register of Securities Publicity (RNPM) of 87.60 lei, the cost of appraising the property of approx. 450 lei according to market information held by the creditor, the costs of opening and maintaining a current account in lei of 10 lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank has the quality of an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal) APR is 8.02%, the first monthly installment is 2,410.20 Lei in the first 3 years and 2,902.18 Lei starting with the 4th year, and the amount the total payment at the end of the crediting period is 602,617.07 lei and in the case of repayment in equal monthly installments (annuities) APR is 8.14%, the first monthly installment is 1,892.53 lei in the first 3 years and 2,402.41 lei starting with year 4, and the total payment amount at the end of the crediting period is 696,907.34 Lei.

In the event of applying the discounted interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the Life Insurance Condition: for a Home Purchase Mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, for a period of 25 years , 300 installments, with reduced fixed interest in the first 3 years of 5.29%/year and reduced variable interest, starting with the 4th year, of 8.29%/year made up of IRCC (5.99% on 01.10.2024) + fixed margin 2.40%/year, analysis commission of 900 lei, fee for registration of securities at the National Register of Securities Advertising (RNPM) of 87.60 lei, the cost of property evaluation of approximately 450 lei according to information from market held by the creditor, the costs of opening and maintaining a current account in Lei of 10 Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal principal installments), the APR is 8.02%, the first monthly installment is 2,410.20 Lei in the first 3 years and 2.902,18 Lei starting with the 4^th year, and the total payment amount at the end of the credit period is 602.617,07 lei and in the case of repayment in equal monthly installments (annuities) APR is 8.14%, the first monthly installment is 1,892.53 lei in the first 3 years and 2.402,41 lei starting with the 4th year, and the total payment amount at the end of the crediting period is 696.907,34 lei.

In the event of applying the standard interest rate for the entire duration of the loan: for a home purchase mortgage loan - the Green Mortgage Loan from UniCredit Bank S.A., in the amount of 300,000 Lei, over a period of 25 years, 300 installments, with standard fixed interest in the first 5 years of 7.50% and the standard variable interest, starting with the 6th year, of 8.59%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 2.60%/year, analysis commission of 900 lei, the registration fee for securities at the National Register of Securities Advertising (RNPM) of 87.60 lei, the cost of evaluating the property of approximately 450 lei according to the market information held by the creditor, the costs of opening and maintaining a current account in lei of 10 lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in case of repayment in decreasing monthly installments (equal installments of the principal) APR is 8.86%, the first monthly installment is 2,962.70 lei in the first 5 years and 2.790,16 lei starting with the 6th year, and the total amount of payment at the end of the crediting period is 624.587,95 lei and in the case of repayment in equal monthly installments (annuities) APR is 8,90%, the monthly installment is 2,304.67 Lei in the first 5 years and 2.485,54 Lei starting with the 6th year, and the total payment amount at the end of the crediting period is 729.800,87 lei.

In the event of application of the reduced interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the Life Insurance Condition: for a Home Purchase Mortgage - Green Mortgage Credit from UniCredit Bank S.A., in the amount of 300,000 Lei, on a period of 25 years, 300 installments, with reduced fixed interest in the first 5 years of 5.90%/year and reduced variable interest, starting with the 6th year, of 8.39%/year consisting of IRCC (5.99% at dated 01.10.2024) + fixed margin 2.40%/year, analysis commission of 900 lei, fee for registration of securities at the National Register of Securities Advertising (RNPM) of 87.60 lei, the cost of the property evaluation of approximately 450 Lei according to the market information held by the creditor, the costs of opening and maintaining a current account in Lei of 10 Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank has the qualification by intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal) APR is 7.87%, the first monthly installment is 2,562.70 Lei in the first 5 years and 2.750,16 Lei starting with the 6th year, and the total amount payment at the end of the crediting period is 598.127,95 lei and in the case of repayment in equal monthly installments (annuities) APR is 8.00%, the monthly rate is 2,002.31 lei in the first 5 years and 2.399,09 lei starting with year 6, and the total payment amount at the end of the crediting period is 691.015,10 lei.

** It is intended for the purchase of a completed house classified in energy efficiency class A or superior (according to the energy performance certificate).

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.

We also inform you that you can conclude, at your own expense, an insurance contract for the financial risk of non-payment, offered by insurance companies.

The main advantages/disadvantages/risks associated with legal loan repayment methods:

Constant annuity (equal rates):
- monthly rate consists of an increasing principal component and a decreasing interest component;
- increase in the reference index used for interest calculation can lead to an increase in the annuity, to an increase in the interest component and to a decrease in the principal component;
- in the first part of the crediting period, the monthly principal rate to be repaid is lower, compared to the other repayment option, the principal component of the total monthly rate being lower than the interest;
- the amount of the loan to which the applicant falls is higher;
- the rate of reduction/decrease of the credit balance is low;
- total interest paid is higher than in the case of decreasing rates.
Equal principal (decreasing rates):
- monthly installment is composed of equal principal (throughout the duration of the loan) and decreasing interest;
- increase in the reference index used for interest calculation can lead to an increase in the total monthly rate and the interest component, without changing the principal component;
- in the first part of the loan, the monthly rate to be repaid is higher;
- the amount of the loan to which the applicant falls is lower;
- the rate of decrease/decrease of the credit balance is higher;
- total interest paid is lower than in the case of equal rates.

In both cases, the monthly interest due is the result of applying the interest rate to the loan balance (the amount representing capital remaining to be repaid).

Have house payments become a burden? Refinance your existing mortgage/real estate loan and enjoy:

Reduced fixed interest in the first 5 years of 5.90%/year and subsequently reduced variable interest IRCC + 2.40%. That means lower rates for as long as you fulfilled the conditions for applying the discount***
The standard fixed interest in the first 5 years of 7.50%/year and thereafter the standard variable interest IRCC + 2.60%. When the conditions for applying the discount are not fulfilled***

See representative examples below*.

For refinancing loans with variable interest throughout the duration, see the costs here.

The Refinancing Mortgage Loan has the following characteristics:

Currency: Lei;

Value: maximum 350,000 Euro (equivalent in Lei);

Period: between 3 and 30 years;

Own contribution: from 15%;

Guarantee: Rank 1 mortgage established on the property being purchased;

Insurances:

- Real estate insurance;
- Optional life insurance for the applicant, but necessary to fulfill one of the conditions for the application of the reduced interest.

Co-debtors: up to 2 co-debtors of which, co-debtor 2, father / mother / father-in-law / mother-in-law / brother / sister / son / daughter of the borrowers (retirees are also accepted). Co-debtor 2 must meet the same eligibility criteria as the applicant;

Destination: The takeover of a Loan whose purpose was the purchase of a house by either spouse, before or after marriage, or by any of the co-debtors, as well as loans whose purpose was the construction of a building and is final tabulated.

Loans for the purchase of an apartment/a house - can be taken through a mortgage/real estate loan;

Construction loans - can be taken after the final tabulation of the construction through a mortgage loan.

Come with your salary to us, get your Refinancing Mortgage Loan in Lei and life insurance and you will benefit from:

2,000 Lei net gift to cover the costs related to the loan;
Gift equal to 30% of the value of the annual insurance premium for the first year, related to the optional My Home policy, paid by you.

The offer is subject to certain terms and conditions, according to the Campaign Regulations available here .

Eligibility requirements

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

Minimum age: 20/25 years old (for navigators);
Maximum age: Maximum retirement age / 70 years old in the case of single income from PFA/dividends / 65 years for patented navigators and 60 years for non-patented navigators (by this age the loan will be fully reimbursed);
Eligible monthly income: minimum eligible monthly net income of 2,000 RON for each applicant, co-debtor 1 or co-debtor 2.

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.
Refinancing Address.

Documents required for the legal opinion and final approval:

Real estate documents (for example: Property title to the real estate; Act of the tabulation of the right of ownership/Extract from the Land Book of information; Cadastral documentation; Certificate of energy efficiency; Rental contract/commodity, if there is such a contract concluded; Pre-sale purchase contract, if it has been concluded. Please note that depending on the concrete situation of the property, the Bank may request additional documents.Insurances (real estate and life);
Insurances (real estate and life).

Interest rates and fees

MORTGAGE/HOUSING LOAN IN LEI, FOR REFINANCING, WITH VARIABLE INTEREST RATE COMPOSED OF IRCC REFFERENCE INDEX AND A FIXED MARGIN
	Discount applied to the standard annual interest rate	Variable interest (it includes the discount***, if applicable)	APR
Standard annual interest rate	NA	IRCC* + 3,10%/year	10,06%/year(repayment in decreasing installments) 10,01%/year(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions*** for the Refinancing Mortgage Loan, exclusively Green	0,4 p.p.	IRCC* + 2,70%/year	9,62%/year(repayment in decreasing installments) 9,57%/year(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions* for the Green Mortgage Refinancing Credit **	1,00 p.p.	IRCC* + 2,10%/year	8,95%/year(repayment in decreasing installments) 8,91%/year(repayment in equal installments)

MORTGAGE LOAN FOR REFINANCING, WITH FIXED INTEREST RATE IN THE FIRST 3 YEARS / 5 YEARS AND WITH VARIABLE INTEREST RATE COMPOSED OF IRCC AND A FIXED MARGIN
	Discount applied to the standard annual fixed interest rate	Fixed interest rate for the first 3 years / 5 years(it includes the discount***, if applicable)	Discount applied to the standard annual variable interest rate	Variable interest rate starting with the 4^th / 6^th year (it includes the discount***, if applicable)	APR
Standard annual interest rate(3 years fix)	NA	6,50%/year	NA	IRCC* + 2,50%/year	8,61%/year(repayment in decreasing installments) 8,68%/year(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions*** (3 years fix)	1,11 p.p.	5,39%	0,10 p.p.	IRCC** + 2,40%	8,13%/year(repayment in decreasing installments) 8,25%/year(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions * for the Green Mortgage Loan** / Refinancing Loan (3 years fixed interest)	1,21 p.p.	5,29%	0,20 p.p.	IRCC** + 2,30%/year	8,02%/year(repayment in decreasing installments) 8,14%/year(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions*** for the Refinancing Mortgage Loan, including Green (5 years fix)	1,6 p.p	5,90%	0,2 p.p	IRCC** + 2,40%	7,87%/year(repayment in decreasing installments) 8,00%/year(repayment in equal installments)
Standard annual interest rate(5 years fix)	NA	7,50%	NA	IRCC** + 2,60%	8,86%/year(repayment in decreasing installments) 8,90%/year(repayment in equal installments)

* IRCC reference index is 5.99% on 01.10.2024.

** see representative examples below.

**** It is intended for the purchase of a completed house classified in energy efficiency class A or superior (according to the energy performance certificate).

APR (effective annual interest rate) is calculated for a loan of 300.000 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.

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 (only if you wish to benefit from the interest discount, being necessary also to fulfill the other contractual conditions);
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 (only if you wish to benefit from the interest discount, being necessary also to fulfill the other contractual conditions).

Calculation example

In the event of applying the standard interest for the entire duration of the loan: for a refinancing mortgage/real estate loan, including a refinancing green mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, over a period of 25 years, 300 installments, with standard variable interest of 9.09%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 3.10%/year, analysis commission of 900 lei, fee for registration of securities in the Registry National Property Publicity Fee (RNPM) of 87.60 Lei, the cost of property evaluation of approximately 450 Lei according to the market information held by the lender, the costs of opening and maintaining a current account of 10 Lei/month, life insurance* of 0.0259% /month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal principal installments) APR is 10.06%, the first monthly installment is 3.360,20 Lei, and the total payment amount at the end of the crediting period is 658.142,70 lei, and in the case of repayment in equal monthly installments (annuities) APR is 10,01%, the monthly rate is 2.623,80 lei, and the total payment amount at the end of the crediting period is 781.025,29 Lei.

In the event of applying of the discounted interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the life insurance condition, for a refinancing mortgage/real estate loan (excluding the green refinancing loan): from UniCredit Bank S.A., in the amount of 300,000 Lei, over a period of 25 years, 300 installments, with reduced variable interest of 8.69%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 2.70%/year, analysis commission of 900 lei, the registration fee for securities at the National Register of Securities Advertising (RNPM) of 87.60 lei, the cost of evaluating the property of approximately 450 lei according to the market information held by the creditor, the costs of opening and maintaining a current account of 10 Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal) DAE is of 9.62%, the first monthly installment is 3.260,20 Lei, and the total amount of payment at the end of the credit period is 643.092,70 Lei, and in the case of repayment in equal monthly installments (annuities), the APR is 9.57%, the rate the monthly payment is 2.541,91 Lei, and the total payment amount at the end of the crediting period is 781.025,29 Lei.

In the event of applying the discounted interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the Life Insurance Condition: for a Refinancing Mortgage loan - The Green Refinancing Mortgage Loan from UniCredit Bank S.A., in the amount of 300,000 Lei, on a period of 25 years, 300 installments, with reduced variable interest of 8.09%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 2.10%/year, analysis commission of 900 Lei , the registration fee of securities at the National Register of Securities Advertising (RNPM) of 87.60 lei, the cost of property evaluation of approximately 450 lei according to market information held by the creditor, the costs of opening and maintaining a current account of 10 lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal) APR is 8.95%, the first monthly installment is 3.110,20 Lei, and the total amount of payment at the end of the crediting period is 620.517,70 Lei, and in the case of repayment in equal monthly installments (annuities), the APR is 8.91%, the monthly installment is 2.421,06 Lei, and the total payment amount at the end of the crediting period is 719.814,03 Lei.

In the event of applying the standard interest rate throughout the duration of the loan: for a Home Purchase Mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, over a period of 25 years, 300 installments, with the standard fixed interest rate in the first 3 years of 6.50% and the standard variable interest, starting with the 4th year, of 8.49%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 2.50%/year, analysis commission of 900 lei, the registration fee for securities at the National Registry of Real Estate Advertising (RNPM) of 87.60 lei, the cost of evaluating the property of approximately 450 lei according to market information held by the creditor, the costs of opening and maintaining a current account in 10 lei Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal), the APR is 8.61%, the first monthly installment is 2.712,70 Lei in the first 3 years and 2.946,58 Lei starting with the 4th year, and the total payment amount at the end of the crediting period is 618.702,95 lei and in the case of repayment in equal monthly installments (annuities) APR is 8,68%, the monthly rate is 2.113,32 lei in the first 3 years and 2.463,84 lei starting with the 4^th year , and the total payment amount at the end of the crediting period is 721.077,85 lei.

In the event of applying the discounted interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the Life Insurance Condition: for a Home Purchase Mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, for a period of 25 years , 300 installments, with reduced fixed interest in the first 3 years of 5.39%/year and reduced variable interest, starting with the 4th year, of 8.39%/year made up of IRCC (5.99% on 01.10.2024) + fixed margin 2.40%/year, analysis commission of 900 lei, fee for registration of securities at the National Register of Securities Advertising (RNPM) of 87.60 lei, the cost of property evaluation of approximately 450 lei according to information from market held by the creditor, the costs of opening and maintaining a current account in Lei of 10 Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal principal installments), the APR is 8.13%, the first monthly installment is 2.435,20 Lei in the first 3 years and 2.924,18 Lei starting with the 4^th year, and the total payment amount at the end of the credit period is 606.380,20 lei and in the case of repayment in equal monthly installments (annuities) APR is 8.25%, the first monthly installment is 1,910.31 lei in the first 3 years and 2.422,76 lei starting with the 4th year, and the total payment amount at the end of the crediting period is 702.946,18 lei.

In the event of applying the discounted interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the Life Insurance Condition: for a Home Purchase Green** Mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, for a period of 25 years , 300 installments, with reduced** fixed interest in the first 3 years of 5.39%/year and reduced variable interest, starting with year 4, of 8.16%/year consisting of IRCC (5.99% as of 01.10.2024) + fixed margin 2.30%/year, analysis commission of 900 lei, fee for registration of securities at the National Register of Securities Publicity (RNPM) of 87.60 lei, the cost of appraising the property of approx. 450 lei according to market information held by the creditor, the costs of opening and maintaining a current account in lei of 10 lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank has the quality of an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal) APR is 8.13%, the first monthly installment is 2,435.20 Lei in the first 3 years and 2,924.18 Lei starting with the 4th year, and the amount the total payment at the end of the crediting period is 606,380.20 lei and in the case of repayment in equal monthly installments (annuities) APR is 8.25%, the first monthly installment is 1,910.31 lei in the first 3 years and 2,42276 lei starting with year 4, and the total payment amount at the end of the crediting period is 702,946.18 Lei

In the event of applying the standard interest for the entire duration of the loan: for a refinancing mortgage loan, including the refinancing Green Mortgage Loan from UniCredit Bank S.A., in the amount of 300,000 Lei, over a period of 25 years, 300 installments, with fixed interest standard in the first 5 years of 7.50% and standard variable interest, starting with the 6th year, of 8.59%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 2.60% / year, analysis commission of 900 lei, registration fee of securities at the National Register of Securities Publicity (RNPM) of 87.60 lei, the cost of evaluating the property of approximately 450 lei according to the market information held by the creditor, the costs of opening and maintaining a current account in lei of 10 lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank acts as an intermediary, in case of repayment in decreasing monthly installments (equal installments of principal) APR is 8.86%, the first monthly installment is 2,962.70 lei in the first 5 years and 2.790,16 lei starting with the 6th year, and the total amount of payment at the end of the crediting period is 624.587,95 lei and in in the case of repayment in equal monthly installments (annuities), the APR is 8.90%, the monthly installment is 2,304.67 Lei in the first 5 years and 2.485,20 Lei starting with the 6th year, and the total payment amount at the end of the crediting period is 729.800,87 lei.

In the event of applying the discounted interest for the entire duration of the loan, following the fulfillment of the monthly turnover condition and the Life Insurance Condition: for a refinancing mortgage loan, including a green refinancing mortgage loan from UniCredit Bank S.A., in the amount of 300,000 Lei, over a period of 25 years, 300 installments, with reduced fixed interest in the first 5 years of 5.90%/year and reduced variable interest, starting with the 6th year, of 8.39%/year made up of IRCC (5.99% on 01.10.2024) + fixed margin 2.40%/year, analysis commission of 900 lei, fee for registration of securities at the National Register of Securities Advertising (RNPM) of 87.60 lei, the cost of the property evaluation of approximately 450 Lei according to market information held by the creditor, the costs of opening and maintaining a current account in Lei of 10 Lei/month, life insurance* of 0.0259%/month on the credit balance, concluded with an insurance company for which the bank has the quality of an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal) APR is 7.87%, the first monthly installment is 2,562.70 Lei in the first 5 years and 2.750,16 Lei starting with the 6th year, and the amount the total payment at the end of the crediting period is 598.127,95 lei and in the case of repayment in equal monthly installments (annuities) APR is 8,00%, the monthly rate is 2,002.31 lei in the first 5 years and 2.399,09 lei starting with year 6, and the total payment amount at the end of the crediting period is 691.015,10 lei.

** It is intended for the purchase of a completed house classified in energy efficiency class A or superior (according to the energy performance certificate).

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.

We also inform you that you can conclude, at your own expense, an insurance contract for the financial risk of non-payment, offered by insurance companies.

The main advantages/disadvantages/risks associated with legal loan repayment methods:

Constant annuity (equal rates):
- monthly rate consists of an increasing principal component and a decreasing interest component;
- increase in the reference index used for interest calculation can lead to an increase in the annuity, to an increase in the interest component and to a decrease in the principal component;
- in the first part of the crediting period, the monthly principal rate to be repaid is lower, compared to the other repayment option, the principal component of the total monthly rate being lower than the interest;
- the amount of the loan to which the applicant falls is higher;
- the rate of reduction/decrease of the credit balance is low;
- total interest paid is higher than in the case of decreasing rates.
Equal principal (decreasing rates):
- monthly installment is composed of equal principal (throughout the duration of the loan) and decreasing interest;
- increase in the reference index used for interest calculation can lead to an increase in the total monthly rate and the interest component, without changing the principal component;
- in the first part of the loan, the monthly rate to be repaid is higher;
- the amount of the loan to which the applicant falls is lower;
- the rate of decrease/decrease of the credit balance is higher;
- total interest paid is lower than in the case of equal rates.

In both cases, the monthly interest due is the result of applying the interest rate to the loan balance (the amount representing capital remaining to be repaid).

Color your house with a Credit for Refurbishment/Renovation/ Improvement of Housing Energy Performance!

The Refurbishment/Renovation/ Improvement of Housing Energy Performance loan responds to a need complementary to the mortgage loan, with the direct aim of arranging, renovating or improving the energy performance of a house, thus, through this type of loan, the following can be achieved:

Long-term real estate investments for Refurbishment/Renovation/ Improvement of Housing Energy Performance.
Taking over loans that were intended at the time of granting (according to the terms of the credit contract) arrangements/ modernization / development / expansion / consolidation / of a building. It will be possible to refinance credits that have been fully used or for which the period of use has ended, within the maximum limit of exposure per product.

For Refurbishment/Renovation/ Improvement of Housing Energy Performance loans with variable interest for the entire duration, see the costs here.

The Refurbishment/Renovation/ Improvement of Housing Energy Performance Credit has the following characteristics:

Value: minimum of 15,000 Euro - maximum of 100,000 Euro equivalent in Lei, but no more than 30% of the appraised value of the building to be fitted out/renovated/improved energy performance;

Period: between 3 and 15 years;

Period of use and number of tranches: 12 months with a maximum of 12 tranches;

Guarantee: first-class mortgage established on the building for which the refurbishment / renovation / improvement of the energy performance coefficient is desired or on another building that meets the bank's criteria, provided that they (the buildings) are owned by the applicant and/or the co-debtor 1 or of co-debtor 2.

Mortgage on the Borrower's income, regardless of the title with which they are obtained (including, but not limited to: salaries, fees, pensions, etc.).

Use of credit: minimum 2 withdrawals, maximum 12 withdrawals in a maximum of 12 months from signing. The first use, immediately after fulfilling the withdrawal conditions, will be in the amount of a maximum of 30% of the approved credit value (but not more than 50,000 RON) and will be justified with documents until the next withdrawal;

The following uses will have to be justified with documents in the proportion of 70% for each of the tranches. In the case of loans over 400,000 lei, the last tranche will not exceed 20% of the value of the loan, and an evaluation report for the furnished property is also required, from which the arrangements made from the credit.

Insurances:

Building insurance;
Life insurance of the borrower who signed as an 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: Maximum retirement age / 70 years old in the case of single income from PFA/dividends / 65 years for patented navigators and 60 years for non-patented navigators (by this age the loan will be fully reimbursed);
Eligible monthly income: minimum eligible monthly net income of 2,000 RON for each applicant, co-debtor 1 or co-debtor 2.

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;
Refinancing Address.

Documents required for the legal opinion and final approval:

Real estate documents (for example: Property title to the real estate; Act of the tabulation of the right of ownership/Extract from the Land Book of information; Cadastral documentation; Certificate of energy efficiency; Rental contract/commodity, if there is such a contract concluded; Pre-sale purchase contract, if it has been concluded. Please note that depending on the concrete situation of the property, the Bank may request additional documents.Insurances (real estate and life);
Preliminary sales-purchase contract, if it was concluded. Please keep in mind that depending on the concrete situation of the building, the Bank may request additional documents.

Attention: if you apply with a co-debtor, such as your husband/wife, he/she will have to provide the same documents. Since a mortgage/real estate loan is a long-term commitment, make sure you allocate enough time and fill out the loan application with as much attention as possible.

Interest rates and fees

REAL ESTATE LOAN IN LEI FOR DEVELOPMENT, WITH VARIABLE INTEREST, FORMED OF IRCC REFERENCE INDEX AND FIXED MARGIN

Variable interest

APR

Standard annual interest rate

RCC* + 4%/year

11,16%/year**(repayment in decreasing installments)

11,12%/year**(repayment in equal installments)

* See representative examples below.

** IRCC reference index is 5.99% on 01.10.2024.

APR (effective annual interest rate) is calculated for a loan of 300.000 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 penalty 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	1500 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 (only if you wish to benefit from the interest discount, being necessary also to fulfill the other contractual conditions);
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 property renovated through the loan granted, owned by the borrower or on another property owned by the borrower;
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 (only if you wish to benefit from the interest discount, being necessary also to fulfill the other contractual conditions).

Calculation example

With variable interest

For a real estate/mortgage loan for fitting out/renovating/improving the house's energy performance coefficient from UniCredit Bank S.A., in the amount of 300,000 Lei, over a period of 15 years, 180 installments, with a standard variable interest rate of 9.99%/year consisting of IRCC (5.99% as of 01.10.2024) + fixed margin 4%/year, analysis commission of 1500 lei, fee for registration of securities at the National Register of Securities Publicity (RNPM) of 87.60 lei , the cost of evaluating the property brought as a guarantee of approximately 450 Lei according to the market information held by the creditor, the costs of opening and maintaining a current account of 10 Lei/month, life insurance of 0.0259%/month on the credit balance, concluded with a company of insurances for which the bank acts as an intermediary, in the case of repayment in decreasing monthly installments (equal installments of the principal), the APR is 11.16%, the first monthly installment is 4.251,87 Lei, and the total payment amount at the end of the period of lending is 536.593,20 lei and in the case of repayment in equal monthly installments (annuities) the APR is 11.12%, the monthly installment is 3.309,68 lei, and the total amount of payment at the end of the lending period is 592.503,81 Lei.

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.

Warning!

By contracting this type of credit, you are subject to the following risks that may affect your ability to pay: fluctuations in your own income, variations in the IRCC reference index that may increase the interest rate and increase the monthly amount to be repaid.

We also inform you that you can conclude, at your own expense, an insurance contract for the financial risk of non-payment, offered by insurance companies.

The main advantages/disadvantages/risks associated with legal loan repayment methods:

Constant annuity (equal rates):
- monthly rate consists of an increasing principal component and a decreasing interest component;
- increase in the reference index used for interest calculation can lead to an increase in the annuity, to an increase in the interest component and to a decrease in the principal component;
- in the first part of the crediting period, the monthly principal rate to be repaid is lower, compared to the other repayment option, the principal component of the total monthly rate being lower than the interest;
- the amount of the loan to which the applicant falls is higher;
- the rate of reduction/decrease of the credit balance is low;
- total interest paid is higher than in the case of decreasing rates.

Equal principal (decreasing rates):
- monthly installment is composed of equal principal (throughout the duration of the loan) and decreasing interest;
- increase in the reference index used for interest calculation can lead to an increase in the total monthly rate and the interest component, without changing the principal component;
- in the first part of the loan, the monthly rate to be repaid is higher;
- the amount of the loan to which the applicant falls is lower;
- the rate of decrease/decrease of the credit balance is higher;
- total interest paid is lower than in the case of equal rates.

In both cases, the monthly interest due is the result of applying the interest rate to the loan balance (the amount representing capital remaining to be repaid).

APPLY ONLINE

Mortgage Loans.calculator-compare-col .section,.calculator-compare-col .section-details{display: none;}

Activate now Mobile Banking

Mortgage Loans

Activate now
Mobile Banking