SUPER MORTGAGE LOAN OFFER
The right mortgage loan for you
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- Interest rate Fixed interest rate - %
- APRC - %
- Loan processing fee - LEI
- Amount to repay - HRK
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Monthly installmentEUR
- Monthly installment Fixed IR monthly installment - HRK
- Loan amount - HRK
- Tenor - -
- Interest rate Fixed interest rate -
- APRC - %
- Loan processing fee - LEI
- Amount to repay - HRK
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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
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 of 350,000 RON, granted for a 25-year term and repayable in 300 equal monthly installments*, the costs are as follows—provided income is credited to a current account with Intesa Sanpaolo Bank and life insurance is selected: a fixed interest rate of 4.89% for the first 3 years; a variable interest rate of 7.76% starting from year 4, composed of the IRCC (5.57% as of October 1, 2026) plus a fixed margin of 2.19%; a loan processing fee of 600 RON; current account maintenance costs of 0 RON/month (valid if an account package from the current offer is selected and maintained; otherwise, the cost is 8 RON/month); an APR of 7.71%; a monthly payment amount of 2,114.35 RON for the first 3 years and 2,670.02 RON starting from year 4; and a total amount payable of 788,054 RON. This total includes the mandatory PAD insurance premium of 130 RON/year, the optional insurance policy premium of 453 RON/year (estimated value, assuming the policy is taken out through the bank), and the life insurance premium estimated at 0.0259% per month, applied to the outstanding loan balance. If the income is not credited to the current account opened with Intesa Sanpaolo Bank and the life insurance is waived, the interest rate becomes 5.70% for the first 3 years and IRCC + 3.00% thereafter, with an APR of 8.22%.
*If you choose to repay using decreasing instalments, the costs are: APR 7.62%, monthly payment amount of 2,683.57 RON for the first 3 years and 3,238.17 RON starting from year 4, and a total amount payable of 691,160 RON.
For a mortgage loan of 350,000 RON, granted for a 25-year term and repayable in 300 equal monthly installments*, provided income is deposited into a current account opened with Intesa Sanpaolo Bank and life insurance is selected, the costs are as follows: a fixed interest rate of 5.09% for the first 3 years; a variable interest rate of 7.96% starting from year 4, consisting of the IRCC (5.57% as of October 1, 2026) plus a fixed margin of 2.39%; a loan processing fee of 600 RON; current account maintenance costs of 0 RON/month (a cost applicable if an account package from the current offer is selected and maintained; otherwise, the cost is 8 RON/month); an APR of 7.91%; a monthly payment amount of 2,115.11 RON for the first 3 years and 2,716.67 RON starting from year 4; and a total amount payable of 801,897 RON, which includes the PAD insurance premium of 130 RON/year, or 453 RON/year for... the optional policy (estimated value, assuming the policy is taken out through the bank), as well as the life insurance premium estimated at 0.0259%/month, applied to the loan balance.
If income is not deposited into the current account opened with Intesa Sanpaolo Bank and the life insurance is waived, the interest rate becomes 5.90% for the first 3 years, followed by IRCC + 3.20% thereafter, with an APR of 8.43%.
*If you choose to repay using decreasing instalments, the costs are: APR 7.83%, a monthly payment of 2,741.90 RON for the first 3 years and 3,289.51 RON starting from the 4th year, and a total amount payable of 699,939 RON.
