October 2007

Advantages:
- offer valid until 14 December 2007
- you can take a large sum of money
- attractive DAE (8,31% for a loan in Euro for 25 years)
- accessible: up to 35 years period
- also covers the additional costs: bank fees, notary taxes, the fee of the real estate company and other costs related to the subject matter of the loan agreement

Mortgage loan with upfront fee for loans over EUR 50,000 

Product characteristics
Destination	It can be used for several purposes: - house purchase - house construction or extension - house refurbishment - land purchase - refinancing of similar loans contracted from other banks - it is also intended for additional expenses related to the above-mentioned main destination and they can be supported by legal documents (e.g. notary fee/ charges, fees for real estate companies etc.)
Eligibility requirements	- Romanian citizens or foreign residents in Romania - age between 20 and 70 (at the end of the lending period, the Borrower must not exceed 70 years); - net monthly income per family of minimum EUR 700 (equivalent in other currencies); - at least a 6-month length of service with the current job; - minimum 1 calendar year in the same field of activity for independent activities.
Loan value	Amount	Minimum => EUR 50.000 or eq. in CHF Maximum => EUR 500.000 or eq. in CHF
	Loan period	Maximum    420 months
Pre-approval based on income	Availability period of the pre-approval decision	90 days
Grace period	9 months in case of loans for construction / extension / rehabilitation / modernization / consolidation of a building 6 months in case of purchase loans
Use period	18 months - in case of construction loan 30 days - in case of purchase loan
Availability period of the approval decision	40 days
Guarantees	First rank or inferior rank mortgage, provided the superior ranks are in favor of BROM, over the immovable goods owned by the loan Beneficiary or other individuals, or collateral deposit: min. 133% coverage level of the loan for immovable goods collateral and  110% for collateral deposit
Insurances	Insurance policy for the buildings (constructions) of this loan, concluded at the loan value, if the borrowed amount is smaller that the construction value, or the construction value, if the loan amount is larger than the construction value; The building insurance is included in the credit cost.
Nominal interest rate	EUR		CHF
	Variable: 8,38% = EURIBOR 3M+3,85 %		Variable: 6% = LIBOR 3M+ 3,25%
	Mixed: 0% fixed for the first 6 lending months, then the interest rate is variable		Mixed: 0% fixed for the first 6 lending months, then the interest rate is variable
Reimbursement	Equal monthly installments.
Penalty interest rate	Current contractual interest rate + 50% of the contractual interest rate
Analysis fee	0
Administration fee	1% of the loan value
Prepayment fee	4 %, calculated at the amount paid in advance calculat.
Commitment fee	1.5 % per year, calculated at the contracted amount which has not been drawn yet;
Loan monitoring fee	N/A;
Notification fee	1 Euro (RON equivalent at NBR exchange rate from the sending day).

 Required documents to obtain the loan:

Required documents in the loan pre-approval stage:
1. Loan application form
2. Loan application supplementary guarantee
3. Income-related documents from salary, pension, rental, etc.
4. Income-related document from dividends
5. Check list real estate investments
6. Family members application