MORTGAGE LOAN FOR REAL ESTATE INVESTMENTS

  • For investment loans for a period of 10 years, please contact us

    • 0.00LeiLei

    *Monthly rate

    Do you want a quick loan?

    • * The monthly rate is made up of principal and interest and was calculated with an interest rate of 2.5%/month.
    • The interest rate and repayment method are negotiable.
    • The present information is indicative and has NO contractual value.

    For a personal loan with real estate guarantee in the amount of 10,000 lei for a period of 12 months, you have a fixed interest rate – 30% per year, monthly rate – 9774.87 lei, APR 34.62%, and the total amount to be paid is 11,698.44 lei.

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    What is a mortgage loan for real estate investments?

    Granting a loan with the following purpose: the purchase of real estate, the construction, rehabilitation, making viable, consolidation or expansion of real estate, the completion of constructions in certain stages of execution, taking over mortgage/real estate loans contracted with banks and other non-banking financial institutions, payment of interest, etc. Thus, the mortgage loan is guaranteed by a real estate mortgage and is granted for the purpose of acquiring or maintaining ownership rights over a land and/or a construction, completed or to be completed, or for the purpose of rehabilitating, modernizing, consolidating or expanding a construction or for making a land viable or exclusively for the purpose of repaying a loan for real estate investments.

    Individuals who meet the lending conditions established by Easy Credit can benefit from this type of loan.

    Easy Credit consultants are at your disposal with additional information.

    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;
    • Presents a property to guarantee the loan (property of the applicant or another person who will have the capacity of guarantor);

    Other important information

    • No commissions are charged – for analysis of the file, administration, confirmation of the balance, modification of the contract, partial or full early repayment.
    • The borrowed amount can be fully or partially returned at any time during the crediting period.
    • Free viewing of the guarantee – Easy Credit consultants offer the possibility of viewing and evaluating the guarantee proposed by the client, without charging costs in this regard.
    • The customer will bear the notary expenses for the authentication of the mortgage contract and the registration of the mortgage in the land register, in favor of Easy Credit.
    • The possibility of paying your debts from the credit – at the customer’s request, various costs/amounts that you owe (e.g. notary fees, debts to the financial administration, debts to the owners’ association, etc.) can be paid from the credit.

    Frequent questions

    Useful information for natural person consumers about Acceptance of consumer credit with 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.

    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);

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

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

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

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

    Simple and Fast

    Do you have questions?
    Apply Now!

    • Access the Frequently Asked Questions section

    We are here for you, whenever you need help

    Operating program

    Monday-Friday: 09:00 - 17:00

    Call at

    031 438 20 50
    0751 565 565
    (call with normal rate)

    Do you want us to call you?

    Apply now and you will be called as soon as possible.

    Information

    See our section with frequently asked questions or write to us at contact@easycredit.ro

    Easy Credit provides its customers with advantageous, fast and flexible credit services, easy to obtain both for individuals and legal entities.
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