The personal loan with real estate guarantee

Este un credit de nevoi personale, pentru care banca solicită o garanție imobiliară.

Destinație:

  • să acopere nevoile tale curente
  • să refinanțeze orice tip de credit de consum

Caracteristici:

  • sumă maximă 300 000 eur, echivalent în lei
  • dobandă variabilă, pe toată durata creditului, calculată după formula: marjă fixă pe toată durata contractului de credit+ indice IRCC la 3 luni
  • Istoricul indicelui IRCC, îl puteți regasi pe site-ul Băncii Naționale: www.bnr.ro
  • perioada maximă, 5 ani
  • vârsta, între 20-70 ani
  • reduceri de dobândă, la virarea salarială și/sau refinanțare

Etapele dosarului tău de credit

1

It is a personal loan, for which the bank requests a real estate guarantee.

Destination:

  • financing your personal needs
  • refinancing any type of consumer loan

Characteristics:

  • maximum amount of EUR 300,000 (the equivalent in RON)
  • variable interest for the entire duration of the loan, calculated according to the formula: fixed margin fot the entire duration of the credit + CLB (Consumer loan benchmark)
  • You can find the history of the CLB, on the website of the Național Bank: www.bnr.ro
  • maximum period, 5 years
  • age, between 20-70 years
  •  interest reductions on salary transfer and / or refinancing
2

Offer presentation:

  • You: come to us, give us details about the desired loan, the value of the property brought as collateral, your income, other rates
  • We: make calculations, we present you the most advantageous loaning solutions suitable for you, we answer all your questions related to offers. Ready! You have chosen and we are moving on.
  • File: together we prepare the necessary documents for your file; we provide you a list of the documents needed from the employer and with the ownership documents of the property brought in the bank's guarantee, together we fill in the bank's forms, we estimate the time necessary for each stage of the file.
3

Financial analysis:

  • We: we ensure that your financial and real estate documents comply with the bank's requirements and we send them to the bank for analysis; we support the file if completions / mentions occur on it; we support your file so that you receive financial approval quickly, without adjustments, we keep you up to date with the analysis of your file
  • The bank: gives the financial approval or not
  • You: It is important to remember: choosing a bank with financial approval, ensures the approved loan amount for a period of time (between 30-90 days)
4

Legal analysis of the property:

  • The bank: analyzes the documents, requests completions or not, sends us the legal agreement
  • We: we inform you that you have received the legal agreement, the cost of the evaluation and the estimated time of the evaluation
  • The bank: requests the evaluation of the property and after receiving the Assessment Report, analyzes it, gives its consent for the guarantee of your property or not; finally approves your loan.
5

Signing the contract:

  • We: we inform you that your loan has been approved and we prepare the signing (we ensure detailed and fast communication between the bank, notary, seller, buyer, insurer, so that all parties know the details of the signing, the costs specific to each, the place and date when the contracts are signed; we ensure that you receive a draft of the contract, at least one day before the sale, to report any possible errors.
  • You: allocate time for signing the contract at the time and date agreed with you
6

Transferring the money into the account and taking possession:

  • The bank: after verifying the fulfillment of the loan withdrawal conditions, it transfers the money to your account
  • We: ensure that no blockage occurs in the process of signing and transferring the money
  • You: in approximately one week after the sale, you receive the registration of your mortgage contract in the Land Registry from the notary; you send them to the bank (sometimes money transfer is made only after fulfilling this obligation)

Vrem sa tinem legatura. Primesti notificari cu oferte personalizate, mereu in avantajul tau!

Da, vreau