Skip to main content

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)

Pros

  • Variable interest rate (starting from year 6)
  • Enjoy a higher degree of security
  • Advantageous if interest rates rise in the future

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

Pros

  • Enjoy transparency and traceability of interest changes
  • Advantageous when interest rates fall in the future

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 commissionsCommission analysis900 RON (financed by the loan) 
 Real estate valuation fee444,30 RON + value added taxNon-binding, as the price is going to be charged by the assessors with whom Raiffeisen Romania collaborates
Supplementary, necessary banking services / productsCurrent account package commission5 RON / month 
Loan repaymentEarly repayment commission0% 
InsurancesMandatory PAD home insurance98,73 RONAccording 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 insurance0.10% x the value of the proposed property as a guaranteeNon-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.

test

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.

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.

Ready to take the first step toward your new home?

Things you should know

It is important to us to bring the following legal information to your attention:

1) Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet. Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet.

2) Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet doming id quod mazim placerat facer possim assum. Lorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.

These topics might also interest you