Green Finance
For partner banks, RoGBC certification serves as the primary indicator for evaluating completed residential projects. It verifies that the project meets all required criteria for obtaining a Green Real Estate Loan.
Alpha Green Mortgage
Green homes are a crucial step towards a sustainable future. By choosing an eco-friendly home, you benefit from a healthy and comfortable living environment, contribute to protecting the surrounding environment, and achieve significant long-term savings through reduced utility and maintenance costs.
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Benefits:
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Advantageous Interest Rate: Reduced fixed margin compared to the standard offer, starting from 2.50% per annum.
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Reduced Fees: Application and annual management fees are reduced by 50%.
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Long Repayment Period: You can select a repayment period of up to 35 years, tailored to your needs and financial capabilities.
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Generous Financing: Alpha Bank finances up to 85% of the property value for loans in RON and up to 80% for loans in EUR.
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Flexibility in Income Assessment: Your income is crucial in determining the loan amount you can access, providing you with a customized financial solution.
Green Mortgage Loan
Investing in a green home represents a commitment to a sustainable future, offering a healthier, more comfortable environment with a reduced impact on nature. In addition to environmental benefits, this choice also provides significant long-term savings.
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Benefits:
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Preferential Interest Rate: Enjoy an advantageous interest rate starting from 2.85% per annum.
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Reduced Fees: 50% discount on application and annual management fees.
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Extended Financing: Obtain up to 85% of the property value for loans in RON and up to 80% for loans in EUR.
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Repayment Flexibility: Choose a repayment period of up to 35 years to better manage your budget.
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Personalized Advice: Receive support and guidance throughout the entire lending process to make the best financial decisions.
Casa Eco Real Estate Credit
Some things happen naturally, in their own time. And there's no better moment than now, especially when it comes to making eco-friendly choices for you and your family's future. We are here to introduce you to the new Eco Home Loan.
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Why choose a green home certified by the Romania Green Building Council?
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Long-term savings through reduced utility costs and lower maintenance expenses.
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A healthier and more comfortable living environment for you and your family.
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Responsibility towards the planet and future generations, protecting the environment, optimizing the use of natural resources, and contributing to the fight against climate change.
Casa Mea NaturA Loan
Why choose a Green Home with Casa Mea NaturA? Because it is certified by the Romania Green Building Council and represents a sustainable investment in your future, providing a healthier and more comfortable living environment, reducing environmental impact, and generating long-term savings.
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Benefits:
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Competitive Interest Rate: Reduced margin starting from 2.35% per annum for income deposited with BCR.
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Reduced Fees: 50% discount on standard application and annual management fees.
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Long Repayment Period: Option to choose a repayment period of up to 35 years.
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Generous Financing: Up to 85% of the property value for loans in RON and up to 80% for loans in EUR.
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Energy Certification: The home must have an energy certification of Class A and be built after the year 2000 or certified by the Romanian Green Building Council.
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Mandatory Insurance: Life insurance and home insurance for the entire loan period, with the option to choose any authorized insurance company.
Green Loan
Why choose a Green Home with the Green Loan from Libra Bank? Because it is a smart investment in a sustainable future, offering a healthy living environment and reduced long-term costs through energy savings.
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Benefits:
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Competitive Interest Rate: Variable, starting from 2.75% + IRCC.
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Generous Financing: Minimum down payment of 15% for income from Romania and 20% for income from abroad.
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No Fees: Zero application and administration fees.
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Long Repayment Period: Flexibility and affordability in repaying the loan.
Green Mortgage Loan
Green homes represent the ideal investment in a sustainable and environmentally friendly future. By choosing a green mortgage, you contribute to protecting the environment, save in the long term, and benefit from a healthier and more comfortable living environment. Additionally, it is certified by the Romania Green Building Council.
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Benefits:
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Advantageous Interest Rate: Favorable fixed interest rate for the first years, followed by a variable rate adjusted to market indicators.
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Fee Reductions: Discounts on application and administration fees.
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Flexible Repayment Period: Option to choose a repayment period of up to 30 years.
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Generous Financing: Raiffeisen Bank finances up to 85% of the property's value.
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Specialized Consulting: Access to personalized advice to select the financial solution that best fits your needs.
Vista Green Home Loan
Why choose a Green Home? Because it is the ideal investment in a better future. It ensures a healthier and more comfortable living environment, minimizes environmental impact, and, not least, provides long-term savings through reduced utility and repair costs.
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Benefits:
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Reduced Fixed Margin: Lower than the standard rate, starting from 2.35% per year, if you bring your monthly income to Vista Bank.
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Fee Discount: 50% discount on standard application and annual administration fees.
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Long Repayment Period: Option to choose a repayment period of up to 35 years.
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Generous Financing: We finance up to 85% of the property's value for loans in RON and up to 80% for loans in EUR.
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Income Assessment: Your income is essential for determining the amount of credit you can access.
Green Habitat Loan
If the home you wish to purchase is a sustainable residence certified as green by RoGBC, the Green Habitat Loan helps you realize your plan.
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Benefits:
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Attractive Interest Rates: Available if you provide a minimum down payment of 20%. Additionally, you can choose interest rates tailored to your needs—fixed or variable throughout the loan term, or fixed for the first 3 years followed by variable. For variable interest loans, the rate starts from IRCC + 2.15%, or 5.45% fixed for the first 3 years followed by variable at IRCC + 2.19%, or from 6.65% fixed for the entire loan term.
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Free Property Valuation: You benefit from a free property valuation when performed by a bank-appointed evaluator.
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Minimum Down Payment of 15%: If purchasing your first home. A down payment of at least 20% will secure lower interest rates.
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Financial Pre-Approval: You receive financial pre-approval valid for 90 days, giving you time to find the right green home.
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Loan Amount: This loan is in RON with a minimum value of €10,000 (equivalent in RON). The maximum amount depends on the value of the provided guarantee.