Do I need an advance payment to take out a mortgage home loan?
Yes. It is mandatory to have a down payment of at least 15% for the loan in lei and at least 20% for the one in euros. The down payment must be deposited in cash or ...
What documents are necessary to apply for a mortgage loan?
For a BT mortgage loan, both your personal documents as the applicant and documents related to the property are required. The basic list includes: act ...
What is the difference between a real estate loan and a mortgage loan?
Mortgage credit is more flexible and can finance a wide range of investments: housing, land, non-residential spaces, modernizations, or refinancing. ...
What costs do I have to take into account if I refinance a mortgage/home loan?
When refinancing a mortgage/real estate loan, it is important to take into account a few costs specific to this process. Refinancing involves concluding ...
Can I take the mortgage housing loan together with a co-debtor?
Yes. When taking out a loan, the life partner, spouse, children, ... can help if they meet the eligibility criteria,
What is a mortgage loan and what can I use it for?
With a mortgage loan you can make purchases or investments in the real estate field. You can use it to buy a house, to build, to modernize or to ...
What is a mortgage loan guaranteed by?
The mortgage loan is always secured by a mortgage. The collateral can be the property you are purchasing or, if the situation requires, any other property ...
Can I add a co-debtor when refinancing a mortgage/real estate loan?
Yes. You can add a co-debtor (life partner, husband/wife, children, brothers/sisters, brothers-in-law/sisters-in-law and/or your parents/parents ...
What identity documents are required for the mortgage loan?
You only need the identity documents of all involved persons: holder, partner, co-debtors, and possibly guarantors. Simple and clear process.
What does a mortgage loan mean for me, as a future client?
A mortgage loan offers you flexibility and freedom in managing your real estate plans. It allows you to pledge another property as collateral and ...
Is it worth refinancing a mortgage with a variable interest rate now?
Yes, it is worth considering refinancing, especially if you can reduce the loan term or lower the monthly payment. Such a change can lead to a ...
Can I choose between fixed interest rate and variable interest rate for the mortgage loan?
Yes. You can choose between fixed interest, ideal if you want stability in the first 2, 3 or 5 years, and variable interest, which adjusts according to ...