Get Casa Mea loan and  in the first year we pay the real estate insurance premium related to the optional policy concluded through BCR

The Campaign is addressed to customers who take a Casa Mea loan during the Campaign period.

What do I get?

TIME SAVED
Send the house documents directly through the CASA MEA app and make fewer trips to the bank. In addition, you know the status of your file at any time.

FAST FINANCIAL APPROVAL
Find out on the spot, at the unit, exactly how much you get from the bank and you have 90 days to quietly look for your house.

INTEREST DISCOUNT
1% when receiving your salary in your BCR account

PROTECTION IN UNEXPECTED SITUATIONS
You sign up for optional insurance and you are protected in case of unemployment, extended medical leave, total and permanent disability.

STAY PROTECTED WITH LIFE INSURANCE
You are protected across the duration of the loan with the life insurance, for a monthly fee of 0.026% (of the loan balance).

INTELLIGENT
SHOPPING
up to 60 interest-free instalments at IKEA and up to 12 instalments at other retailers, at home and abroad, with the BCR - IKEA Credit Card (offered optionally with the loan).

You can get an additional discount of 0.60% for energy efficient homes through the Casa Mea Natura loan.

I want to know more

Intelligent choices start with fewer trips to the bank and end with you at home. With Casa Mea loan.

  • With fewer trips to the bank, through the CASA MEA app you can send the documents online, know the status of your file at any time, find out instantly when you have the approved credit and communicate with us via live chat.
  • Mortgage loan with fixed interest rate 3 years, standard 6.59%. You can get a fixed interest rate of 5.59% because you have interest discounts, when you opt for:
    • salary or pension received at BCR (1 pp)

You can choose between fixed interest rate in the first 3, 5 or 10 years and later variable. Get more information on Interest Rates and Fees.

The loan is granted for the purchase of a home and for the refinancing of other real estate or mortgage loans, whether they are at BCR or another bank.

The minimum contracted amount is RON 45,000 and the maximum amount you can get is up to 85% of the investment value, for a maximum period of 30 years.

 

Minimum down payment:

  • 25% of the investment value if you own a property
  • 15% of the investment value if you don’t own a property
  • 0% in the case of loans granted for the refinancing of other mortgages/real estate loans in progress

Arrange the house with the BCR - IKEA credit card with up to 60 interest-free installments at IKEA and up to 12 installments at other retailers, in the country and abroad. Find out complete information about the BCR - IKEA credit card.

 

Mortgage loan with 3-year fixed interest rate

*Representative example for a CASA MEA loan with fixed interest rate 3 years later variable, with salary/pension in a BCR current account, calculated for a RON 350,000 credit for 300 months (25 years), RON 500 loan analysis and ZERO administrative fee, Evaluation fee RON 470 including VAT (apartment); cost with life insurance 0.026% (calculated monthly on the loan balance).

Fixed interest in the first 3 years: 5.59% / year, subsequently variable: 8.76% / year (IRCC + 2.9%): Fix instalment during first 3 years: RON 2,259/month, then variable RON 2,900/ month; Total payable amount: RON 840,335; EAR = 8.30%.

In case you do not (any longer) receive your income in the BCR account, for the same credit: The interest is fixed in the first 3 years: 6.59% / year, then the variable 9.76% (IRCC + 3.9%); Fix instalment in the first 3 years: RON 2,474/month, then variable RON 3,145/month; Total payable amount: RON 913,031; EAR = 9.37%.

(IRCC = 5.86% valid until 30.09.2024). Offer valid until 31.08.2024

Eligibility requisites

Minimum age: 18 years
Maximum age, condition verified when granting the loan: 63 years / 65 years / 75 years *

Minimum income: RON 1380

Continuity: 3 months for customers with banking products or 6 months for new customers in the non-bank banking / financial market

Employment contract for an indefinite or fixed period (if the credit period is covered)

Other conditions / criteria: without seizures and arrears.

How much do I pay?

ZERO FEES
for the CASA MEA app

ZERO COMMISSION
for credit administration

FIXED INTEREST RATE
  in the first 3, 5 or 10 years, variable aftwerwards

Find out more information about Interest Rates and Fees

* Reference index for loans granted in national currency

Repay the loan in advance with George 100% online

It's more intelligent to pay your installments in advance as much as your budget allows you, from wherever you are.

How do I get MY HOME loan?

  1. PRELIMINARY ANALYSIS Just come to us, we do a calculation for you and you sign the credit application. At the same time, we tell you more about the CASA MEA app, through which you can send us, directly from your phone, the necessary documents for analyzing your file.

  2. FINANCIAL ANALYSIS We analyze your credit file and let you know about the maximum amount you can borrow. Take a short trip to the bank, sign the offer and start looking for your dream house.

  3. PROPERTY ANALYSIS With a little luck, you have found the house you wanted! At this stage, we analyse the documents of the house, which you can upload directly to the CASA MEA app, without coming to the bank. What documents? You can find complete information in the app. Also at this stage, you pay the appraisal fee, and an ANEVAR member valuer will appraise the house you want to bring as collateral.

  4. CREDIT APPROVAL Congratulations! Your credit has been approved. It's time to talk to the notary about the sale-purchase contract and come to us to sign the credit, collateral and insurance policies. Then, ask the notary to register the mortgage with the National Agency for Cadastre and Land Registration and get an excerpt from the Land Register and a mortgage record that you can upload directly to the CASA MEA app, as it is required by the bank.

  5. PAYMENT TO THE SELLER Don’t worry, we make the payment to the seller. From now on, you have all the time to upgrade your home with the BCR-IKEA credit card, with up to 60 interest-free instalments!

Required documents

1. Valid ID CARD (in original), for you and other credit participants

2. Documents you can upload directly to the CASA MEA app, from your phone or computer:

2.1. Income documents

If your income is reported to ANAF and collected in a BCR current account:

•           No income-related documents (just a signed Inquiry Agreement for ANAF)

•           In case your current income is higher by over 20% than the income of the previous year, BCR will request additional documents

•           In case you get your income from pensions, it is required to submit the Certificate of permanent retirement

If your income is not reported to ANAF (employees of MAI, MApN, SRI, SIE, SPP, Police, Gendarmerie, penitentiaries or other entities with special designation) must produce:

•           Certificate of employment (only if customer does not collect his/her salary in a BCR account)

If your pension income is not reported to ANAF:

•           Recent pension slip or a bank account statement

•           Certificate of permanent retirement

2.2  PROPERTY PROPERTIES of the home you will purchase

Discover in the CASA MEA app the list of necessary documents, see where you can get them and upload them directly from your phone, as soon as you have them! Otherwise you may request in any BCR branch the complete list with the documents required to obtain the credit, personalised according to the destination of your credit!

Additional information

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