Banca Românească can grant First House loans only within the limit allocated by the Ministry of Finance. If the allocated limit is exhausted, we kindly ask you to take into consideration that some loan applications will not be possible to be finalised and the bank is not liable for the expenses already done.

  • Analysis fee 0
  • Early pre-payment fee: 0%
  • Financial pre-approval: 90 calendar days
  • Loan currency: RON
  • Extended loan tenor, maximum 30 yrs
  • You can have more types of incomes (salaries, pensions, incomes from liberal professions, copyrights)
  • Annual management fee for FNGCIMM (monthly outstanding guarantee of FNGCIMM) is paid in advance by the bank, and recovered monthly from the client



Loan destination Maximum loan value
Loans granted in order to buy a completed house, including the ones constructed by ANL (National Habitation Agency). 57.000 EUR, RON equivalent
Loans granted in order to buy an unfinished house, after completion, in different construction stages, including the ones build by ANL. 57.000 EUR, RON equivalent
Loans granted in order to buy new houses, after they have been completed, including the ones build by ANL. 66.500 EUR, RON equivalent