Loans

Owner

A real estate investment loan for you to be finally “home”.

EASY AND PREDICTABLE

You have the comfort and security to pay the installments with fixed interest rates in the first 5 years of the loan.

EASY TO GRANT

Minimum contribution starting from 15% of the value of the property and financial approval valid for 60 days, during which you can choose the desired property.

CUMULATIVE DISCOUNTS

You benefit from interest rate discounts if you choose to receive your monthly income in a First Bank account.

WHAT YOU NEED TO KNOW

Make sure you can always return HOME. Owner is a credit created for purchasing of real estates (including financing of unpaid price difference) and refunding of real estate investment loans.

HOW MUCH IT COSTS

Time is money and we know this very well. “Be sure to put your feet in the right place, then stand firm” Abraham Lincoln

Find out the full cost of Real Estate Loan, but also an example of calculation if you want fixed interest or variable interest.

Details

Our dedicated staff is at your disposal for any information about our products and services at tel. 021 303 69 69 or 0800 801 802.

If you still have questions, look for answers below
If your monthly income is recorded in the NAFA database, you only need your / your co-payer’s Identification Document, if applicable).
The maximum age for the loan, at the end of the lending period, must be 65 years.
Yes. You can bring in maximum 4 co-payers (additional to the spouse or partner).
Minimum EUR 300 / month (in RON equivalent). This level also applies to each of the co-payers (if applicable).
Visit any First Bank agency or visit our webpage at www.firstbankliveshop.ro and we shall provide you with a loan offer that also includes alternatives solutions, and you have 15 days to decide on the best option.
Yes. You can reimburse any amount, free of charge. In the case of fixed interest loans, an early repayment fee shall be charged, depending on the time remaining until the end of the loan.
Yes. After an early repayment, you can opt for a proportional reduction in your monthly payment or in your remaining reimbursement period (or a combination of these two).
Yes. You can always request, free of charge, to change the due date for your loan.
Yes. Income from royalties is accepted alongside with income from salary, pensions, mandate contracts, self-employment, management contracts or agency contracts, rents, life annuity income.
No. You can conclude insurance policies through any insurance company, provided that the minimum insured amount requirements and the covered risks are met. However, through the bank's partners, you can benefit from negotiated levels of insurance premiums.
Yes. After reviewing your loan application, the bank provides you with a financial approval letter whereby you find out the maximum amount you can qualify for. Within 60 days of the date of issue, you can decide on the property you want to buy.
In this case you will lose the interest rate discount originally granted.
Everything you need to know about a loan agreement you will find here (only in romanian): http://www.educatiefinanciara.info/all-project-list/creditarea-pentru-bunuri-imobile/
This website uses cookies. By closing this pop-up, you express your consent to the usage of cookies.
The site is optimized for Chrome, Firefox or Safari
window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'UA-129210953-1'); window.dataLayer = window.dataLayer || []; function gtag(){dataLayer.push(arguments);} gtag('js', new Date()); gtag('config', 'AW-779433904');