A consumer credit for home improvements because the way you live should reflect the way you want to live.
EASY AND PREDICTABLE
Reimburse your loan with ease by scheduling your payments on a period of up to 10 years. And because surprises are precisely the thing you do not need when reimbursing a loan, you have a fixed interest rate on paying the installments in the first 3 years.
Once the loan is contracted, you can use the money as you wish. Therefore, there is no need to justify their destination except for 50% of the amount. You also have flexibility in managing your loan.
Advantageous interest regardless of the amount or duration of the loan, without collateral.
What you need to know
Take the first step and learn how to make your house feel like HOME. Renovator is a loan created for the financing of real estate investment works such as the upgrade/ furnishing/ extension/ consolidation of a real estate owned/ used by the borrower and/ or the co-payer.
How much it costs
To have a good plan you need all the facts. “Things do not happen. Things are made to happen!” John F. Kennedy
Find out below the complete product sheet and a calculation example.
If you still have questions, look for answers below
The maximum age for the loan, at the end of the lending period, must be 65 years.
Yes. You can bring in maximum one co-payer (your spouse or partner with whom you live and share your household activities, a parent / brother / sister, a son / daughter).
Any repairs, upgrade or enhancement of the comfort of your home: sanitary, electrical installations, heating plants, plastering, partitions, flooring etc.
The property must be in your / your co-payer’s property or use.
No. For loans up to EUR 20,000 (RON equivalent) only an estimated works quote is required. This document is drafted and signed directly at the bank and contains estimates you declare on your own responsibility.
You have available 50% of the amount of the loan for which the bank does not request supporting documents.
No. The advance payment is represented by cash holdings in accounts opened on your / your co-payer’s name (at First Bank or other banks).
At least RON 1,200 / month individually or RON 1,800 / month together with your spouse or partner.
Visit any First Bank agency and we shall provide you with a loan offer that contains all the details you need, and you have 15 days to decide on the best option.
The justification of the loan purpose is a strict obligation stipulated in the loan agreement. If it is not complied with, the bank may decide upon the prepayment of the loan.
Yes. You can reimburse any amount, free of charge. No prepayment fee is applicable.
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.
In this case, you shall lose the interest rate originally granted.
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