Raiffeisen Bank

About the Casa Ta Verde loan from Raiffeisen Bank:

Home is where everyone’s story begins. Now, you can build your perfect home.

Fixed interest rate in the first years:

You can choose the option that suits you:

• 3-year fixed interest rate: from 4.7% and, starting from year 4, the variable interest rate is IRCC + 1.90% margin*

• 5-year fixed interest rate: from 5.45% and, starting from year 6, the variable interest rate is IRCC + 1.90% margin.

In the first years, you know exactly how much you will pay each month, and afterward the interest rate is adjusted according to IRCC.**

**IRCC – reference index for consumer loans

*** Raiffeisen Premium client: monthly income of at least EUR 2,000 (RON equivalent) received into a Raiffeisen account in the last 3 months or a client who has financial assets of at least EUR 40,000 under the management of the Raiffeisen Group, Premium package.**

You have the loan financially pre-approved on the spot: You receive financial pre-approval on the spot or within a maximum of 24 hours*, valid for up to 45 days.**

**In some situations, you may be asked to provide additional documents, and therefore the response time may be extended.

You can take a break from installment payments: A 3-month break from installment payments, at any time after the first 6 months of repayment.

Your first month is installment-free:

We know that when you buy a home, many expenses arise. That is why you can request that installment payments begin in the second month after the loan is granted.

Financial protection for you and your loved ones

If you choose to attach life insurance to the loan: You and your family benefit from protection in unforeseen situations. Repaying the loan is easier to manage even during difficult times.

Representative calculation example: for a CASA TA VERDE home purchase loan of 350,500 Lei, over a period of 25 years, repayable in 300 equal installments, with a fixed interest rate for 3 years of 4.7%, subsequently variable (7.46%), valid for Premium clients who purchase a property with energy efficiency class A/higher/B issued after 15.02.2023/ROGBC certificate, analysis fee 500 Lei, the costs of using a paper payment order are 0, the monthly administration fee for a Standard Current Account Package (which includes the current account and the debit card attached to it) is 3 lei, monthly life insurance premium: 0.026% of the loan amount, the monthly installment is 2.082.32 lei for the fixed-interest period, the monthly installment is 2.616,70 lei for the variable-interest period, APR 7.58% and the total amount payable is 781.649,91 lei. The APR calculation also took into account the costs of property insurance and life insurance, if the client chooses to take out the insurance policies with the Insurance Company for which the Bank acts as an Insurance Intermediary (the mandatory PAD policy in the amount of 130 Lei and the optional policy calculated by applying an insurance premium rate of 0.11% to the estimated value of the property with which the loan will be secured, both insurance policies being mandatory insurance policies for properties purchased through a loan or used as collateral for loans granted by the bank and intended for residential use), and the valuation fee was considered to relate to a report prepared by an appraiser with whom the bank has an agreement, for a property consisting of a building with land (house): 787 LEI (VAT included). The loan will be secured by a mortgage on the property purchased or on another property, as the bank will decide regarding the acceptance of the collateral.

With Flexicredit Integral, you combine all your loans into a single, more advantageous loan.

Having several loans at once is difficult to carry. Too many monthly installments, too many trips to the bank, too many financial obligations, an interest rate that is too high.

It is time to free yourself from the stress of managing them! Combine all your loans into a single, more advantageous loan, Flexicredit Integral.

You get a single monthly installment that is lower than the sum of the installments paid on your previous loans! Therefore, you refinance the loans and choose the type of interest rate that suits you: fixed or variable, so that you have a single, lower installment.

You choose your interest rate!

Choose the mortgage-secured refinancing loan from Raiffeisen and combine all your loans into a single, more advantageous loan, with a lower fixed monthly installment and a reduced interest rate.

Moreover, if you refinance exclusively real estate loan(s), provided that the property that was the subject of the initial financing of the loan to be refinanced has an energy certificate of class A/higher or a ROGBC certificate, you may benefit from an interest rate reduction.

Fixed interest rate in the first years:

You can choose the option that suits you:

• 3-year fixed interest rate: from 4.7% and, starting from year 4, the variable interest rate is IRCC + 1.90% margin*

• 5-year fixed interest rate: from 5.45% and, starting from year 6, the variable interest rate is IRCC + 1.90% margin.

*** Raiffeisen Premium client: monthly income of at least EUR 2,000 (RON equivalent) received into a Raiffeisen account in the last 3 months or a client who has financial assets of at least EUR 40,000 under the management of the Raiffeisen Group, Premiu package**

**IRCC – reference index for consumer loans

Representative calculation example: for a FLEXICREDIT INTEGRAL refinancing loan of 350,500 Lei, secured by a mortgage, over a period of 25 years, repayable in 300 months in equal installments, with a fixed interest rate for 3 years of 4.7%, subsequently variable at 7.46%, valid for Premium clients who exclusively refinance real estate loan(s), provided that the property that was the subject of the initial financing of the loan to be refinanced has an energy certificate of class A/higher/B issued after 15.02.2023/ROGBC certificate, analysis fee 500 Lei, the monthly administration fee for a Standard Current Account Package (which includes the current account and the debit card attached to it) is 3 lei, monthly life insurance premium: 0.026% of the loan amount, fee for a conditional payment order is the equivalent of 5 EUR, the monthly installment is 2.082.32 lei for the fixed-interest period, the monthly installment is 2.616.7 lei during the variable-interest period, APR 7.58% and the total amount payable is 781.674.91 lei. The APR calculation also took into account the costs of property insurance and life insurance, if the client chooses to take out the insurance policies with the Insurance Company for which the Bank acts as an Insurance Intermediary (the mandatory PAD policy in the amount of 130 Lei and the optional policy calculated by applying an insurance premium rate of 0.11% to the estimated value of the property with which the loan will be secured, both insurance policies being mandatory insurance policies for properties purchased through a loan or used as collateral for loans granted by the bank and intended for residential use), and the valuation fee was considered to relate to a report prepared by an appraiser with whom the bank has an agreement, for a property consisting of a building with land (house): 787 LEI (VAT included). The loan will be secured by a mortgage on the property owned or on another property, as the bank will decide regarding the acceptance of the collateral.