Habitat Verde
A mortgage for individuals buying a home in Romania certified as green by the Romanian Green Building Council.
Deze mogelijkheid is momenteel in het Engels beschikbaar.
Habitat Verde lends in Romanian lei to buy a home with RoGBC Green Homes certification. The minimum loan is the RON equivalent of EUR 10,000. You can borrow for 10–30 years, up to 85% of the investment; the amount also depends on the property offered as security and the required down payment.
You repay the borrowed money with interest every month, choosing equal or decreasing instalments. A BRD current account in the loan currency is required to make the loan available and deposit monthly payments; these loan-related operations have no fee. The loan is secured against the property and your bank accounts, with additional security or up to three guarantors possible after the bank’s assessment.
The product allows fixed interest, variable interest or a fixed rate for the first three years followed by variable interest. Its October 2026 example offers 4.79% a year for the first three years, then IRCC plus 2.10 percentage points, for a borrower paying at least 20% down and receiving at least RON 12,000 income into BRD. IRCC is a consumer-loan reference index updated quarterly, so the later interest rate and monthly payments can change. The example’s interest rate is 4.99% for income below RON 12,000. With a down payment below 20%, the stated three-year fixed rates become 4.99% for income of at least RON 12,000 or 5.19% for lower income, followed by IRCC plus 2.30 percentage points.
The published example includes a RON 900 application analysis fee and life insurance at 0.033% of the outstanding balance each month if you choose the policy distributed by BRD. The associated current-account administration fee is zero while you hold the product and service package, rising to RON 10 a month if you give up that package. Property insurance depends on the property’s value. BRD pays for valuation when it appoints the valuer; otherwise you pay the independent valuer. Notarial and security-registration costs are additional.
You can repay all or part of the loan early without an early-repayment compensation charge. Submit written notice at a BRD branch and put the amount, including any other due payments, in your current account. For partial repayment, you can request a shorter term, lower monthly payments, or both. Overdue payments incur penalty interest of 2 percentage points added to the current interest rate. Failure to meet contractual obligations can lead to immediate repayment being demanded and debt recovery.
Eligibility
- The home must be certified as green by RoGBC (Romanian Green Building Council), under its Green Homes scheme, and the property investment must be in Romania.
- The minimum down payment is 15% when buying your first home, or 25% if you already own a home. BRD can require a higher down payment depending on the property offered as security.
- Accepted income includes salaries, pensions, dividends, royalties, rent and self-employment income. You can include the income of up to three co-borrowers. BRD analyses the lending application and may request further documents; it cannot grant the loan without the information needed for that analysis.
- You need a property valuation before the money is made available. You may choose BRD’s appointed valuer or an independent authorised ANEVAR valuer, a member of Romania’s national valuation association.
- Life insurance for the full loan term is mandatory, taken out in your name for the loan value and assigned to BRD. Property insurance covering all risks and the compulsory PAD home policy must also cover the full term and be assigned to BRD. The property insurance must be in your name at the collateral value in the valuation report. You can use a bank-proposed insurer or another authorised insurer meeting the bank’s required cover. If you do not provide renewal evidence three working days before a policy expires, BRD may arrange cover in your name at your expense.
How to apply
- Status
- Doorlopend open
- Voorwaarden voor deze aanvraagronde
- BRD lending assessment applies. The callback form requires a valid Romanian telephone number.[^c19][^c27]
Request a callback through the Habitat Verde page; the form requires a valid Romanian telephone number. You can also request a quote at any BRD branch, bringing your identity document and co-borrowers, if applicable. BRD offers financial pre-approval valid for 90 days while you look for a suitable home.
Provide the income and property documents needed for BRD’s analysis and valuation. Salaried applicants whose income is recorded with ANAF, Romania’s tax authority, do not need a separate employer income certificate; BRD requests supporting income documents if the retrieved information is incomplete or unavailable. After approval, sign the purchase, loan and mortgage contracts and arrange the required insurance.