Expresso Green
A personal loan for renewable-energy equipment, home equipment in energy class A or B, zero-emission electric cars and greener personal transport.
Denne finansieringsmulighed er i øjeblikket beskrevet på engelsk.
Borrow RON 2,000–250,000 from BRD for 6–60 months, without a mortgage on real estate. You repay the borrowed money with interest and applicable fees. Eligible purchases include solar or photovoltaic panels, heat pumps and storage for energy produced from renewable sources. You can also buy bicycles, electric bicycles, scooters or electric mopeds, and zero-emission electric cars.
The interest rate stays fixed throughout the loan. Published annual rates are 5.99%–15.98% with life insurance and 7.99%–17.48% without it. BRD sets your rate through its credit assessment, considering factors such as income stability, credit history, your relationship with the bank and whether income goes into a BRD account.
The standard application-assessment fee is RON 200 at a BRD branch or credit intermediary. Loan payout and monthly loan administration are free. Extra services requested during the loan carry a one-off EUR 50 fee, converted into the loan currency. Preparing security documents is free; registration or publicity in the National Register of Movable Publicity (RNPM), which records security interests over movable assets, costs the agreed operator’s tariff.
The assessment fee falls by 20% for holders of the withdrawn CLASIC, SELECT, PREMIUM, DRUM BUN, e-CLICK, CARD SENIOR, SPRINT PE+, STUDENT or CARD LIKE packages. It falls by 50% for holders of CARD ZI CU ZI, CARD GOLD in lei, CARD PLATINUM, AZI PE+ GOLD or AZI PE+ PLATINUM (withdrawn packages), or PREM1ER LEI/EUR or PREM1ER PLUS LEI/EUR.
BRD’s representative example charges optional BRD-distributed life insurance at 0.13% of the outstanding loan balance each month. The associated current account costs RON 0 per month while the example’s products-and-services package is held; cancelling that package raises the account fee to RON 8 per month. Early repayment carries a 1% fee when more than one year remains before the agreed end of the loan, or 0.5% when less than one year remains. Overdue payments add 2 percentage points to the current interest rate.
Eligibility
- BRD accepts salaries, pensions, dividends, royalties, rental income and income from self-employment. You can include income from up to three co-borrowers in the assessment.
- Electric cars must have zero carbon emissions. Home-efficiency equipment must be in energy class A or B; the listed options include double-glazed windows, central heating and boilers with auxiliary installations, and air conditioning. Renewable-energy equipment and personal-mobility equipment are separate eligible categories.
- Bring the seller’s invoice or another accounting document. For a car, also provide a document showing its CO2 emissions; for home equipment, provide a document showing its energy-efficiency class.
How to apply
- Status
- Løbende ansøgning
- Vilkår for ansøgningsrunden
- Loan approval depends on BRD’s credit assessment. A Romanian telephone number is required for the contact form.
Send a contact request using BRD’s Expresso Green product page. BRD will contact you with information to obtain the loan. Enter a valid Romanian telephone number: the bank says it cannot call numbers from abroad through this form.