SUPER MORTGAGE LOAN OFFER
The right mortgage loan for you
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If you're looking for that place to call home, where you may plan to build lifelong memories, choose the Creditul Ipotecar or Creditul Ipotecar Verde (energy class A property) with a 3-year fixed interest rate from Intesa Sanpaolo Bank Romania.
Refinance for more favourable costs and get back 1% of the loan (max 3,000 lei).
What you get
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The loan can be used for the purchase of a property or to refinance another mortgage/removable property loan.
If you opt to take out life insurance and/or to cash the income with Intesa Sanpaolo Bank Romania, you will receive a discount on the interest rate and will have lower loan instalments.
RATA DE DOBÂNDĂ
The Green Loan is intended for the purchase of a nature-friendly home or for refinancing a loan whose collateral is an energy-efficient home (the property provided as collateral is classified in energy efficiency class A).
- Cost for the property valuation - 0 (if you choose one of the valuers we work with)
- File analysis fee - 600 lei
- Monthly loan administration fee - 0
- Early repayment fee - 0
Important! An increase in the reference index, IRCC, may cause an increase in the monthly instalment, which may affect the possibility of payment.
What criteria you need to fulfill
- Minimum age: 19 years
- Maximum age at loan maturity: 65 years for salary income / 70 years for pension income
- Minimum net income: 4,000 Lei
- Length of employment: 12 months total experience and 4 months experience with current employer
- Advance payment: from 15%
Other costs
- Completion of the Valuation Report with an ANEVAR-accredited valuer with whom the bank does not co-operate. The cost of the appraisal is indicated by the appraiser, according to the appraiser's price list and you will pay it separately from the loan;
Notarial costs related to the property mortgage;
- Registration of chattel mortgages with the RNPM: the cost is borne by the bank.
- Notary fees for property mortgage;
- Taking out PAD insurance, the cost of which is 130 LEI/year and optional insurance, the cost of which is indicated by the insurer of your choice and is paid separately from the loan;
- Life insurance premium, if you have opted to take out such insurance.
Important! It is necessary to analyse whether this loan and the ancillary services proposed are adapted to your needs and financial situation in order to ensure the repayment of the loan.
Insurance
- Mandatory PAD insurance of the home purchased on credit, under the terms of the law (mandatory);
Risks insured by the PAD Policy
- flood
- earthquake
- landslides
- Optional insurance of the home purchased on credit, for all risks at least the value indicated by the bank and for the entire duration of the loan (mandatory);
Risks insured by the Optional Policy:
- fire, lightning, explosion;
- flood, storm, collapse or landslides, weight of snow, earthquake
- falling aircraft
- hit by vehicles
- accidental damage
- theft
- falling bodies
- sonic wave
- political risks
- vandalism
- flooding from neighbors
Additionally, at the client's request, additional clauses can be added, such as contents insurance (unlisted goods), civil liability.
In the event of one of the insured events occurring, you can call the Groupama Call Centre, at the telephone number: 0374.110.110 to notify the occurrence of an event.
In order to establish the right to be granted the insurance indemnity, the Insurance Beneficiary must send the documents mentioned in the General Insurance Conditions and the Specific Insurance Conditions to the address documente@groupama.ro.
Guarantees
- First-ranking mortgage on the property purchased on credit;
- Mortgage on the credit balance of all current and future accounts opened at the bank;
- Mortgage on all receivables representing current and future income;
Representative example calculation
For a green mortgage loan worth 350,000 LEI, granted over a period of 25 years, repayable in 300 equal monthly installments*, if the income is collected in the current account opened at Intesa Sanpaolo Bank and life insurance is opted for, the costs are as follows: fixed interest rate in the first 3 years of 4.89%, variable interest rate starting with year 4 of 7.77%, consisting of IRCC (5.58% on 01.04.2026) + fixed margin of 2.19%, file analysis fee of 600 LEI, current account administration costs of 0 LEI/month (cost valid if an account package from the current offer is accessed, for the duration of holding the package, otherwise being 8 LEI/month), APR is 7.71%, monthly payment amount 2,114.35 LEI in the first 3 years and 2,672.09 LEI starting with year 4, the total payable amount 788,604 LEI, which also includes the PAD insurance premium of 130 LEI/year, respectively 453 LEI/year for the optional policy (estimated value, assuming the policy is concluded through the bank), as well as the life insurance premium in an estimated value of 0.0259%/month, applied to the loan balance.
If the income is not collected in the current account opened at Intesa Sanpaolo Bank and the life insurance is waived, the interest becomes 5.70% in the first 3 years, respectively IRCC + 3.00% thereafter and APR 8.23%.
*If you choose to repay in decreasing installments, the costs are: APR 7.63%, monthly payment amount 2,683.57 LEI in the first 3 years and 3,240.74 LEI starting with year 4, total payable amount 691,411 LEI.
For a mortgage loan worth RON 350,000, granted over a period of 25 years, repayable in 300 equal monthly installments*, if the income is collected in the current account opened at Intesa Sanpaolo Bank and life insurance is opted for, the costs are as follows: fixed interest rate in the first 3 years of 5.09%, variable interest rate starting with year 4 of 7.97%, consisting of IRCC (5.58% on 01.04.2026) + fixed margin of 2.39%, file analysis fee of 600 LEI, current account administration costs of 0 LEI/month (cost valid if an account package from the current offer is accessed, for the duration of holding the package, otherwise being 8 LEI/month), APR is 7.92%, monthly payment amount 2,115.11 LEI in the first 3 years and 2,718.76 LEI starting with year 4, the total payable amount 802,452 LEI, which also includes the PAD insurance premium of 130 LEI/year, respectively 453 LEI/year for the optional policy (estimated value, assuming the policy is concluded through the bank), as well as the life insurance premium in an estimated value of 0.0259%/month, applied to the loan balance.
If the income is not collected in the current account opened at Intesa Sanpaolo Bank and the life insurance is waived, the interest becomes 5.90% in the first 3 years, respectively IRCC + 3.20% thereafter and APR 8.44%.
*If you choose to repay in decreasing installments, the costs are: APR 7.83%, monthly payment amount 2,741.90 LEI in the first 3 years and 3,292.07 LEI starting with year 4, total payable amount 700,190 LEI.
