CrediaBankoffers the opportunity to purchase a home, securing a fixed preferential interest rate of 2.15%* for the first 2 years, through its CrediaBank FirstHome mortgage loan.
This program is designed for those planning to purchase or build their first home and seeking financing, offering up to 90% of the property’s value. The maximum loan amount is €350,000 with a repayment term of up to 40 years, and there are no application or approval fees. Additionally, for applications submitted by June 30, 2026, legal and technical review fees are waived.
After the initial period, the variable interest rate is based on the 3-month Euribor plus a margin starting at 1.60%*. Additionally, a maximum margin discount of up to 0.25% is available for families with three or more children, as well as for properties in energy efficiency classes A or B (based on the Energy Performance Certificate).
The loan is repaid through automatic monthly debits from the borrower’s deposit account (principal and interest installments). For properties under construction, an interest-free grace period and partial disbursements are available for up to 24 months.
Interested parties can obtain detailed information at CrediaBank branches or via the website crediabank.com.
*Interest rates are subject to the contribution under Law 128/75 (currently 0.12%). The discounts offered on the margin are not cumulative. Terms and Conditions apply.