LOAN WITH REAL ESTATE GUARANTEE

Loan with real estate guarantee - what it represents

Consumer credit represents the credit granted to a natural person (loans for personal needs, car, studies, medical services, etc.), other than the credit for real estate investments.

The consumer credit offered by Easy Credit is granted in order to satisfy the customer’s financial needs, being guaranteed by a mortgage on a property.

In order to sign the consumer credit contract secured by the real estate mortgage, the client guarantees the repayment of the loan with a real estate asset by signing the mortgage contract, fulfilling the real estate advertising formalities provided by law for the registration of the mortgage for the entire approved/granted amount.

Required documents

GDPR, ANAF, BC agreements for credit participants;
Identity documents;
Civil status certificate/s;
Documents certifying the generation and origin of income;
The property deed;
Completion of tabulation and cadastral documentation;
Fiscal certificate for the property brought under warranty;
Account statement issued by a commercial bank – necessary for the transfer of money after granting the loan;
Other documents required as the case may be (e.g. medical certificate for elderly people, owner’s association certificate).

The present information is indicative and has NO contractual value!

Eligibility criteria

Loans with a real estate guarantee are offered to people who cumulatively meet the following criteria:

Minimum age 18 years
The applicant/co-debtor provides proof of obtaining eligible incomes, which shows the ability to repay the loan and related payment obligations;
Present a building to guarantee the loan (property of the applicant or another person who will have the capacity of guarantor);

Frequent questions

Useful information for natural person consumers about Acceptance of consumer credit with real estate guarantee

What amount can be borrowed through a consumer credit with a real estate guarantee?

You can borrow amounts between 5,000 and 1,000,000 lei, mainly depending on your repayment capacity (being in the maximum degree of indebtedness) and the valuation of the property proposed as collateral.

Who can get a loan with real estate guarantee from Easy Credit?

Loans with a real estate guarantee are offered to people who cumulatively meet the following criteria:

– Minimum age 18 years

– The applicant/co-debtor provides proof of obtaining eligible incomes, which shows the ability to repay the loan and related payment obligations;

– Present a building to guarantee the loan (property of the applicant or another person who will have the capacity of guarantor);

If I am registered in the Credit Bureau, can I get a loan?

Yes, we offer flexible credit solutions for people registered in the Credit Bureau.

How long can a consumer loan with real estate guarantee be obtained?

After you have sent the request, the initial approval is received in 48 hours, depending on the number of requests and the documents provided.

Can I get a loan to refinance active loans?

Yes. If you have several loans for personal needs and their management is difficult or you want to get an additional amount of money by refinancing active loans.

You just have to fill out the contact form and we will call you as soon as possible.

Apply online
It only takes 30 seconds to fill out the form

We will call you in 30 minutes
We call you within 30 minutes from Monday to Friday, between 09:00 and 17:00.

We are completing the file
We determine the details and fill in the final form.

We are checking eligibility
The documents are analyzed, and if everything is OK, the final approval of the loan is obtained.

You get the money
After signing the credit agreement, the money is transferred to your account.

LOAN WITH REAL ESTATE GUARANTEE