What documents you need to request a real estate loan in 2025

Obtaining a real estate loan in 2025 involves the preparation and presentation of a complete set of documents, essential to evaluate the admissibility and approval of the loan. These documents may vary according to the chosen financial institution and the specificity of each applicant. We present a detailed list of the necessary documents, according to the current requirements of the main banks in Romania

Identity documents

Among the necessary identity documents are the identity card or passport. They must be valid and during the validity. According to the Romanian law, any expired identity document is not considered a legal document and cannot be used to request a real estate loan.

Banks and financial institutions have the obligation to verify the authenticity of identity documents, comparing personal data from identity documents with those in the national authority database for administration and regulation in communications (Ancom). Providing false or expired documents can have serious consequences, including the refusal of the application for credit and possible legal penalties.

If the identity card or passport are close to the expiry time, they must be renewed. The renewal process may take several weeks, so it is advisable to start this effort before requesting a loan in currency or foreign.

Documents attesting for income

The documents that can be used to confirm revenues include wage butterflies, employment contracts, account extracts or other financial documents. The types of documents required vary according to the bank or type of credit desired.

For employees with anna income, an agreement is required to consult revenues from the Anaf database, signed by the applicant and co-run. For employees whose revenues are not related to Anaf (for example, Mapn employees, Sri), wage certificate, which certifies income and seniority. The pensioners will present the final retirement decision and a recent pension heel or account extract that confirms the collection of the pension.

For authorized natural people (PFA) or free professionals, specific documents are required:

• the univocal declaration (form 212) together with the sending receipt;
• the register of revenue and payments in the last 12 or 24 months;
• Collaboration contracts and other support documents in support.

Understanding the income documents involves more than the simple reading of the figures. It is important to know certain financial terms, such as gross and clear income, and how they affect the admissibility for a loan. Gross income represents the total amount earned before the tax and social restrictions, while the net salary is the amount that remains after the deduction of all these deductions.

Getting income documents can be a simple process if you know exactly what to do. Many of these documents can be obtained directly from the employer. For example, wage butterflies or the employment contract can be requested by the Department of Human Resources of the Company. Other documents, such as account extracts, can be obtained by the bank in which you have the account.

However, there are some common errors when the documents that attest to revenues present. A frequent error is the omission of sources of income, such as rent or income from independent activities. In addition, the supply of expired documents can lead to the refusal of the credit application. Therefore, it is important to check all the documents, before presenting the bank.

Documents on the building purchased

The purchase of a building provides for a detailed documentation process, which includes information on the building: its type (apartment, home, land), location, surface, number of rooms and other relevant characteristics. It is important to mention the existence or absence of additional structures, such as garage, cellar, attic, etc.

These details help to evaluate the correct value of the building. Here are what documents to prepare, in relation to the building you want to buy:

• the pre-purchase contract;
• the documents owned by the building;
• Recent extract of land books;
• Energy efficiency certificate;
• the cadastral documentation and the plans of the building.

Additional declarations and agreements

In the process of requesting a real estate loan, personal declarations play a significant role. Some banks in Romania may require these declarations on their responsibility to obtain a clear image of income, financial situation, tax obligations and other relevant aspects of the applicant’s life. This happens because banks want to make sure the loan is refunded correctly.

In addition, some banking institutions may request the signature of some insurance agreements on additional life, the protection of personal data or the use of further banking services. This is because banks want to protect themselves from risks and respect the regulations in force.

It is important to underline that the maintenance of the terms and conditions set out in the bank agreements can have serious consequences, including the loss of the right to obtain credit or even the legal shares.

Further declarations and agreements may include:

• Declaration on one’s responsibility, in authentic form, regarding the possession of other properties, according to the requirements of the new House program;
• Agreement for the processing of personal data in the credit office and consult the Credit Risk Central database.

The degree of debt represents the percentage of monthly net income that can be assigned for the payment of monthly rates (including other existing credits). According to NBR regulations in force in 2025:

• For loans in her, the maximum debt is 40%;
• For currency credits (granted only in special conditions), it is 20%limited;
• In the case of the new House program, the degree of debt can be adequate according to the customer’s line.

To be suitable, you must have a good credit history (without delays or forced execution) and a stable income. Banks control:

• the existence of other current credits;
• payment delays;
• the number of previous credit requests;
• Payment behavior (including co -debors or guarantees).

Documents that certify their contribution

When it comes to buying a building, often the first source of funding that people use are personal economies. To demonstrate these savings, some documents are required, such as bank account extracts or other banking documents. Show the amounts filed and withdrawn, as well as the balance of the account. Depending on the financial institution, a document may also be requested that certifies the origin of the money.

Another form is the intake in nature. It can include properties, equipment or other existing tangible goods. Documents such as the purchase contract for sale for properties, purchase invoices for machines or other tangible goods are required. (which must be without homework and have a real value on the real estate market).

Investments and financial activities represent another form of their contribution. It may include actions, bonds, investment funds or other financial activities. To demonstrate these sources, it is necessary to submit documents such as the certificate of detention of the shares, the account extracted for the investment funds or other documents issued by the financial institution.

In some cases, gifts or inheritance can be used as their hiring. In order to document these sources of funding, various documents may be requested, depending on the nature of the gift or inheritance. For example, for a gift received in the form of money, a declaration of noarial donation may be requested. In the case of a legacy, a heir certificate will be requested.

Necessary insurance

Getting a real estate loan involves some essential insurance documents to protect the bank and the borrower. These may include life insurance, construction insurance and unemployment insurance. Each insurance has a specific purpose to cover various unexpected situations.

Life insurance is designed to ensure the reimbursement of the loan, if the borrower dies or is unable to work. The insurance of the building and unemployment insurance focuses on the protection of the value of the building and the revenue of the borrower.

In most cases, it is mandatory to guarantee the building which is the subject of the credit. The insurance of the building covers the damage caused by fires, natural disasters or other unexpected events. However, not all insurance companies cover all risks, so you have to see what is included in the insurance policy and what are the associated costs.

Really interested in clauses in:

• Insurance policy for compulsory homes (pad);
• The optional insurance policy of the purchased building, transferred to the bank.

Before choosing insurance, evaluate the risks. Consider the financial situation, the possible risk scenarios and select the offer that best suits your needs. It is advisable to work with a financial expert or a credit broker.

In order to obtain a real estate loan in 2025, the bank will require an assessment of the building by a evaluator authorized by Anevar. Therefore, it will determine the market value of the respective building. Note that at least 2-3 years in the same employer can increase the possibility of approval of the credit, highlighting financial stability.

Consult the specific list of the documents requested by the bank to which it applies, since there may be changes based on the internal policy of each financial institution. The careful and complete preparation of the documentation will facilitate the process of approval of the real estate loan.