Mortgage România
Intended for the purchase of residential real estate located on the territory of Romania, for a period of up to 30 years.
Intended for the purchase of residential real estate located on the territory of Romania, for a period of up to 30 years.
Promotional Campaign with a fixed interest rate of 7,25% for the first 24 months and subsequently a floating 8,57% (index + 3% margin), EAR of 8,69% for the period 01.04.2026-30.06.2026.
For a credit in the amount of 750.000,00 MDL for a term of 25 years, the following payments are expected:
Promotional Interest Rate 7,25% FIXED for the first 24 months, and starting with the 25th month – 8,57% floating, the monthly payment is 5.421,05 lei during the fixed rate period and 6.039,96 lei for the floating rate. The effective annual interest (EAR) is 8,69%, and the total payable amount (loan amount + all related costs) is 1.809.133,83 lei. The amount does not include property insurance costs.
purchase of residential real estate located in Romania
refinancing of mortgages granted by other financial institutions, the original purpose of which was the purchase of residential real estate in Romania
13 months
30 years
up to 100% of the project cost
The FLOATING interest will initially be set at the value of:
Offer 1
8,57% floating Interest rate – for customers who meet one of the following conditions: employees of budgetary institutions within salary projects, are employed in the IT field, work in a company providing accounting services, private medical sector, private education or in a company with over 500 employees
Offer 2
9,07% floating Interest rate – for customers who meet one of the following conditions: work in a private company from 101 to 500 employees or receive their salary on a Victoriabank card
Standard Offer
9,57% floating Interest rate – for customers who do not meet any of the specific conditions mentioned above
For a credit in the amount of 750.000,00 MDL for a term of 25 years, the following payments are expected:
For the 7,90% FIXED Interest Rate in the first 24 months, and starting from the 25th month - 8,57% floating, the monthly payment is 5.739,03 MDL during the period of application of the fixed rate and 6.057,74 MDL for the floating rate. The effective annual interest rate (EAR) is 8,84%, and the total amount payable (loan amount + all related costs) is 1.821.676,41 MDL. The amount does not include the costs of building insurance.
For the 8,57% floating Interest Rate, the monthly payment is 6.074,62 MDL. The effective annual interest rate (EAR) is 9,0%, and the total amount payable (loan amount + all related costs) is 1.834.389,55 MDL. The amount does not include the costs of building insurance.
