Home Loan

Make a change!

You have at least 3 years of accommodation

Mortgage loan with fixed interest for 3 or 5 years

A new house is a major change and a considerable financial effort for which you need time to settle.

That's why at UniCredit Bank you have fixed interest for at least 3 years and we also offer you a new house as a gift.

Bring your salary to UniCredit Bank, apply for a Mortgage Loan with life insurance and

YOU BENEFIT OF:

2,000 Lei voucher gift

to cover the associated costs. Details in the Regulation

30% of the first year

insurance policy paid by the bank. Details in the Regulation

5,29% fixed interest rate

in first 3 years and after variable interest rate of IRCC + 2,30%, APR 8,02%. See below the conditions of the offer and the calculation exemples*

The campaign is subject to terms and conditions, according to the Regulation available here .

READ THE REGULATION

Green Mortgage Loan

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, from whom co-debtor 1 is any person who together with the applicant, becomes co-owner of the property acquired on loan (the co-debtor must meet the same criteria as the applicant) and co-debtor 2 - 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.

Refinancing Loan

Currency: Lei;

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

Period: between 3 and 30 years;

Advance: from 15%;

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

Insurances: building insurance;

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.

Eligibility requirements

Required documents

Interest rates and fees

Discount applied to the standard annual fixed interest rate

Fixed interest rate for the first 5 years(it includes the discount***, if applicable)

Discount applied to the standard annual variable interest rate

Variable interest rate starting with the 6th year (it includes the discount***, if applicable)
APR

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	9,60%/year(repayment in decreasing installments) 9,57%/year(repayment in equal installments)
Discounted annual interest rate, applied during the fulfillment of the conditions* for Green Mortgage******	1,0p.p.	IRCC** + 2,10%/year	8,51%/year(repayment in decreasing installments) 8,49%/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 4th / 6th year (it includes the discount***, if applicable)	APR
Standard annual interest rate (3 years fix)	NA	6,50%	NA	IRCC** + 2,50%	8,31%/year(repayment in decreasing installments) 8,37%/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%	7,84%/year(repayment in decreasing installments) 7,95%/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%	7,74%/year(repayment in decreasing installments) 7,84%/year(repayment in equal installments)*
Standard annual interest rate (5 years fix)	NA	7,50%	NA	IRCC** + 2,60%	8,62%/year(repayment in decreasing installments) 8,64%/year(repayment in equal installments)*
Discounted annual interest rate, applied during the fulfilment of the conditions***(5 years fix)	1,6 p.p.	5,90%	0,2 p.p.	IRCC** + 2,40%	7,64%/year(repayment in decreasing installments) 7,75%/year(repayment in equal installments)*

* IRCC reference index is 5.66% on 01.01.2025.

** 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.

**** building / dwelling, included in energy efficiency class A or superior, according to the energy efficiency certificate

***** 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

Guarantees

Calculation example

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 standard fixed interest in the first 3 years of 6.50% and standard variable interest, starting with year 4, of 9.09%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 2,50%/year, analysis commission of 900 lei, fee for registration of securities at the National Registry of Securities Advertising (RNPM) of 87.60 lei, the cost of property evaluation of approximately 450 lei according to market information held by the lender, opening costs 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) APR is 10.06%, the first monthly installment is 3.360,20 Lei in the first 3 years and 2,917.58 Lei starting with the 4th year, and the total amount of payment 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 installment is 2.623,80 lei in the first 3 years and 2,439.89 lei starting with the 4th year, 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 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 8.09%/year consisting 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 Real Estate Advertising (RNPM) of 87.60 lei, the cost of 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 acts as an intermediary, in the case of repayment in monthly installments decreasing (equal rates of principal) APR is 8.95%, the first monthly installment is 3.110,20 Lei in the first 3 years and 2,895.58 Lei starting with the 4th year, and the total payment amount 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 first monthly installment is 1,910.31 lei in the first 3 years and 2,339.12 lei starting with the 4th year, and the total payment amount at the end of the crediting period is 719.814,03 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 8.16%/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 8.02%, the first monthly installment is 2,410.20 Lei in the first 3 years and 2,873.58 Lei starting with the 4th year, and the amount the total payment at the end of the crediting period is 601,743.20 lei and in the case of repayment in equal monthly installments (annuities) APR is 8.05%, the first monthly installment is 1,892.53 lei in the first 3 years and 2,378.86 lei starting with year 4, and the total payment amount at the end of the crediting period is 690,652.37 Lei

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 standard fixed interest in the first 5 years of 7.50% and standard variable interest, starting with year 6, of 8.39%/year consisting of IRCC (5.99% on 01.10.2024) + fixed margin 2, 60%/year, analysis commission of 900 lei, fee for registration of securities at the National Registry of Securities Advertising (RNPM) of 87.60 lei, the cost of property evaluation of approximately 450 lei according to market information held by the lender, opening costs 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) 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 of 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 installment is 2.002,31 lei in the first 5 years and 2.399,09 lei starting with the 6th year, and the total payment amount at the end of the crediting period is 691.015,10 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 fixed interest in the first 5 years of 5.59%/year and reduced variable interest, starting with the 6th year, of 8.26%/year consisting 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 Real Estate Advertising (RNPM) of 87.60 lei, the cost of 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 acts as an intermediary, in the case of repayment in monthly installments decreasing (equal rates of principal) APR is 8.86%, the first monthly installment is 2,562.70 Lei in the first 5 years and 2.790,16 Lei starting with the 6th year, and the total payment amount at the end of the crediting period is 624.587,95 lei and 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 credit period is 729.800,87 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 variable interest of 8.96%/year consisting of IRCC (5.99% as of 01.0.2024) + fixed margin 3.10%/year, analysis commission of 900 Lei, fee for registration of securities at The National Register of Real Estate 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 principal installments) APR is 9.93%, the first monthly installment is 3,327.70 Lei, and the total payment amount at the end of the crediting period is 653,251.45 Lei, and in the case of repayment in equal monthly installments (annuities), the APR is 9.89%, the monthly rate is 2,597.08 Lei, and the total amount of the payment at the end of the crediting period is 772,957.58 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 variable interest of 7.96%/year made up of IRCC (5.99% as of 01.10.2024) + fixed margin 2.10%/year, analysis commission of 900 Lei, fee for registration of securities at the National Registry of Publicity Mobiliara (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 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 8.83%, the first monthly installment is 3,077.70 Lei, and the total payment amount at the end of the crediting period is 615,626.45 lei, and in the case of repayment in equal monthly installments (annuities), the APR is 8.87%, the monthly rate is 2,395.20 lei, and the total payment amount at the end of the crediting period is 712,004.61 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.

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Make a change!

Bring your salary to UniCredit Bank, apply for a Mortgage Loan with life insurance and

2,000 Lei voucher gift

30% of the first year

5,29% fixed interest rate

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