Digital Credit
Get a credit in 5 steps.
Simple, fast, efficient.
Partner Banks
Why choose List Credit?
Assistance in obtaining the most advantageous credit from over 10 credit options proposed through partner banking institutions.
We present you with financing options through collaboration with top banking institutions in Romania and you choose the most advantageous offer!
Thanks to partnerships between List Credit and banking institutions, the approval time for the file is significantly reduced.
The service is free for individuals.
The process through List Credit will not affect your credit score.
Credit simulator
Details
Credit estimate
Maximum estimated credit:
232.852 RON (46.570 EUR)Monthly rate starting from:
1.250 RON/lună (250 EUR/lună)Minimum interest:
5%Credit estimation is offered free of charge according to OUG 52/2016
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Useful articles
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Differences between fixed and variable interest rates for credits
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Frequently asked questions
What conditions must I meet to be eligible for a mortgage credit?
Requirements may vary from bank to bank, but generally, you need a stable income, a good credit history, and a down payment for the property purchase (usually between 15% and 25% of the property price). You will also need documents to prove your income and other financial commitments and a minimum of one year of uninterrupted work experience and at least 3 months at your current employer.
What does a fixed interest rate mean and how does it differ from a variable one?
A fixed interest rate remains unchanged for a determined period and can be refinanced whenever needed throughout the entire credit duration, which means monthly payments will be constant. A variable interest rate can fluctuate based on the market reference index (IRCC in Romania), which can lead to changes in monthly rates. Fixed interest offers predictability, while variable interest can bring savings in favorable market conditions.
Besides interest, what other costs should I consider when contracting a mortgage credit?
Besides interest, you should consider the costs associated with mortgage credit, such as arrangement fees, mandatory home insurance, notary fees, and potential administration fees or early repayment penalties. It's important to discuss with the lender to understand all involved costs.
What determines the interest rate for a mortgage credit and how can I get a better rate?
The interest rate is influenced by multiple factors, including credit score, credit duration, type of interest (fixed or variable), general economic conditions, and central bank monetary policy. To get a better rate, it's recommended to improve your credit score and compare offers from multiple banks.
How do I determine the maximum amount I can get for a mortgage credit?
Generally, banks suggest that the monthly credit rate should not exceed 30-35% of net monthly income. It's useful to use a mortgage credit calculator to estimate the amounts you can afford based on your current income and expenses.
What types of documents should I prepare when I want to obtain a mortgage credit?
In general, you will need to provide proof of income (salary certificate, tax return), identity documents, documents attesting to owned property (in case of refinancing) or the property sale-purchase pre-contract, and any other documents required by the bank to demonstrate your payment capacity.