Credit Consulting

IDEAL RESIDENCE provides 100% FREE financial consulting services for their clients. We come forward and provide you with the financial consulting services needed for checking new credit offers and preparing credit files.

The Money Advisor offers all types of loans from secured loans – Mortgage or Real Estate Loan, Unsecured Loans, New Home Loan, Refinancing, Credit Card, SME Credit, in order to cover all the financing needs of the clients, both individuals and legal entities.

Given the recent developments in the banking market, the vast majority of banks have communicated changes in lending conditions. You will find customized solutions for:

  • Mortgage loan, down payment with 15%;
  • New House Program;
  • Personal need loans for covering the down payment.

Minimum amount – 10.000 EUR

Maximum amount – 1.000.000 EUR

Minimum period – 36 months

Maximum period – 360 months

Down payment – 15% Lei / 25% EUR

Applicants – Romanian or foreign citizens with permanent or temporary residence in Romania

Minimum age – 18 years

Cosigners – Up to 2 or 3 cosigners accepted

Approved incomes – Salaries, pensions, dividends, rents, royalties, revenues from abroad, incomes from liberal professions, navigators, etc.

Collateral (guarantees) – Real estate (house, apartment)\

*Both, the characteristics of the loans and the eligibility criteria may differ from one financial institution to another

Selling price – maximum 70.000 EUR

Maximum amount – 66.500 EUR, the equivalent in RON for new or old buildings, completed more or less than 5 years before the loan application date

Maximum period – 360 months

Down payment – 5%

Applicants – Romanian citizens

Minimum age – 18 years

Cosigners – Up to 2 or 3 cosigners accepted

Approved incomes – Permanent net salaries

Selling price – between 70.001 EUR – 140.000 EUR

Minimum amount – 59.501 EUR, the equivalent in RON only for new buildings

Maximum amount – 119.000 EUR, the equivalent in RON only for new buildings

Maximum period – 360 months

Down payment – 15%

Applicants – Romanian citizens

Minimum age – 18 years

Cosigners – Up to 2 or 3 cosigners accepted

Approved incomes – Permanent net salaries

ROXANA VLASE – Senior Broker
Email – roxana.vlase@themoneyadvisor.ro
Phone – +40769 688 025