Loans granted by banks through First House 4 will have to meet the following cost conditions:
The guarantee promise - is issued by FNGCIMM on the basis of the sale purchase agreement signed under a certain signature and for which a commission of 0.15% of the value of the promise of guarantee is charged
Interest - the main cost of credit. Fixed margin + Euribor at 3 months (Robor at 3 months)
The Management Fee - applies to 50% of the SQF of 0.49% per year
Building valuation - around 300RON and some banks bear this cost instead of the customer
Real estate insurance is mandatory at all banks, life insurance is often optional.
The credit agreement is no longer authenticated
No prepayment fees are charged
In addition to the advance payment of 5% of the value of the dwelling, applicants must be a collateral deposit amounting to the value of the first three monthly interest rates
The maximum reimbursement period is 30 years.
The purchased home must be in Class A, B or C energy efficiency.
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