Loan with real estate guarantee SRL, PFA, II, IF

  • For investment loans for a period of 10 years, please contact us

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    *Monthly rate

    Do you want a quick loan?

    • * The monthly rate is made up of principal and interest and was calculated with an interest rate of 2.5%/month.
    • The interest rate and repayment method are negotiable.
    • The present information is indicative and has NO contractual value.

    For a personal loan with real estate guarantee in the amount of 10,000 lei for a period of 12 months, you have a fixed interest rate – 30% per year, monthly rate – 9774.87 lei, APR 34.62%, and the total amount to be paid is 11,698.44 lei.

    Loan with real estate guarantee SRL, PFA, II, IF - what it represents

    Granted to legal entities in order to finance the company’s current activity

    The minimum amount granted is 7,000 LEI or EUR equivalent up to the maximum amount of 1,000,000 LEI or EUR equivalent (exceptionally, loans below the minimum or maximum amount may be approved depending on the applicant’s needs)

    Loan secured by a real estate mortgage on the property belonging to the individual

    Required documents

    • Constitutive act accompanied by additional acts if applicable
    • the registration certificate at the Trade Register
    • Up-to-date certificate of verification from the Trade Register
    • The decision of the General Assembly/Board of Directors to include the agreement to access the real estate mortgage loan
    • Financial statements (the last two annual accounting balances together with the related balances for December of the respective years, approved by the authorized bodies, the last verification balance completed by the company, but not older than 2 months.)
    • The ownership documents of the building accompanied by the cadastral documentation approved by OCPI and the conclusion of the tabulation of the ownership right,
    • Other additional documents necessary to complete the file and grant the credit,
    • The agreement to consult the database of the Credit Risk Center (CRC) for each of the contractual parties, as well as the agreement to consult and process information from the databases of the Credit Bureau.

    Eligibility criteria

    Loans with a real estate guarantee are offered to people who cumulatively meet the following criteria:

    • Minimum age 18 years
    • The applicant/co-debtor provides proof of obtaining eligible incomes, which shows the ability to repay the loan and related payment obligations;
    • Present a building to guarantee the loan (property of the applicant or another person who will have the capacity of guarantor);

    Frequent questions

    Useful information for natural person consumers about Acceptance of consumer credit with real estate guarantee

    You can borrow amounts between 7,000 and 1,000,000 lei, mainly depending on your repayment capacity (being in the maximum degree of indebtedness) and the valuation of the property proposed as collateral.

    Loans with a real estate guarantee are offered to people who cumulatively meet the following criteria:

    – Minimum age 18 years

    – The applicant/co-debtor provides proof of obtaining eligible incomes, which shows the ability to repay the loan and related payment obligations;

    – Present a building to guarantee the loan (property of the applicant or another person who will have the capacity of guarantor);

    Yes, we offer flexible credit solutions for people registered in the Credit Bureau.

    After you have sent the request, the initial approval is received in 48 hours, depending on the number of requests and the documents provided.

    Yes. If you have several loans for personal needs and their administration is difficult or you want to get an additional amount of money by refinancing active loans.

    You just have to fill out the contact form and we will call you as soon as possible.

    Simple and Fast

    Do you have questions?