Home loans: Real estate loan
Planning to buy, build or renovate? Whatever your property goals are, our real estate loan is flexible for all your home needs.
Your real estate loan features
Find out what your real estate loan is all about and discover its many benefits.
Affordable and competitive interest rates
Benefit from competitive interest rates and even a discount of 0.5% if you are a Raiffeisen customer.
We reward green choices
We support you with an additional discount of 0.2% when you buy a house with energy efficiency certification.
Deals available with just a 15% deposit
Pay 15% only if your property is in a place with a positive property market development index (otherwise, deposit between 15 and 30%).
Fast financial pre-approval
With our financial pre-approval, valid for up to 90 days, know exactly what budget you have available for your future home.
3-month installment break
With our financial pre-approval, valid for up to 90 days, know exactly what budget you have available for your future home.
Installments to suit your plans
Our real estate loan serves the full range when it comes to loan terms (from 3 years and up to 30 years)
Full flexibility in loan amounts
Choose the loan amount that meets your credit need, from 24.735 to 1.484.070 RON.
Your real estate loan interest rate options
You can choose between a mixed and a variable interest rate for your real estate loan. We give you some extra information on what these options entail.
Mixed interest rate
Optimal choice if you are looking for a high degree of security, if planning of your future expenses is your top priority andd particularly suitable if you are looking for a long-term goal.
- Fixed interest rate (5 years)
- Variable interest rate (starting from year 6)
Cons
- Not advantageous if interest rates fall in the future
Variable interest rate
Optimal choice if you attach great importance to transparency, if you are risk-averse and particularly suitable if you are looking for a short-term loan.
- Standard variable interest rate
Cons
- Standard variable interest rate
- Not advantageous if interest rates rise in the future
Repayment calculator
Find out what your loan repayments would be.
What you need to apply
Applying for a home loan needs a little bit of homework. We have mapped out the key steps you will need to take.
Potential costs and fees associated with this real estate loan
Here you can find out about all the costs, commissions and fees associated with this real estate loan.
| Taxes and commissions | Commission analysis | 900 RON (financed by the loan) | |
| Real estate valuation fee | 444,30 RON + value added tax | Non-binding, as the price is going to be charged by the assessors with whom Raiffeisen Romania collaborates | |
| Supplementary, necessary banking services / products | Current account package commission | 5 RON / month | |
| Loan repayment | Early repayment commission | 0% | |
| Insurances | Mandatory PAD home insurance | 98,73 RON | According to law 260 / 2008 amended and republished, all home owners are obliged to take out a compulsory home insurance policy issued by the Disaster Insurance Pool (PAID). |
| Optional real estate insurance | 0.10% x the value of the proposed property as a guarantee | Non-binding, as the calculation is going to be derived by the yearly evaluation report |
Frequently asked questions
Here you can find answers to the most frequent questions.
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Useful documents
Get more detailed information from our official documents.
Contact options
Need some help? Our advisors are here to support you.
Visit us
Arrange an appointment to meet a home loan expert at one of our branches.
Schedule a video call
Discuss your home loan needs in a video call with one of our experts.
Request a call back
Arrange a telephone consultation to discuss your needs regarding your future home.
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Why Raiffeisen ?
There are a number of good reasons why Raiffeisen is the right partner when it comes to choosing a credit card. These are the main advantages for you.
You are sure to be in safe hands
Raiffeisen Bank is a member of the RBI Group - an established and award-winning banking group in Central and Eastern Europe.
Get low rates without hidden fees
What you see is what you get. Our credit cards come commission free, with no hidden cost and flexible repayment options.
We are the most recommended bank
We pride ourselves to be the most recommended bank, with the highest NPS (Net Promoter Score) in the country.
Things you should know
It is important to us to bring the following legal information to your attention:
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