Borrowers can be:

Resident and non-resident individuals (according to NBR Regulation no. 4/2005 on the foreign exchange regime, republished with subsequent completions and amendments).

The individuals category may include:

• employees of private or public companies
• freelancers
• businessmen (associates, shareholders)
• individuals who obtain income from self-employment
• pensioners

Age:

• minimum 21 years (at the date of application for loan)
• for income from salaries or assimilated: maximum retirement age for women / men, at the end of the credit period;
• for other income (including pensions): maximum 70 years, at the end of the credit period.

Supported income sources:

• Wages
• Pensions
• Income from free practice
• Income from self-employment
• Income from copyright
• Rents
• Dividends
• Sales/insurance/intermediation commissions
• Survivor' pensions
• Annuities
• Mandate agreements
• Management agreements
• Administration agreements
• Representation agreements
• Seafarers’ Income

If you are interested in the Vista 4U, please fill in the form below and we will contact you as soon as possible:

Before making a loan, please pay attention to the following:

Choosing the loan Currency: If you earn income in Lei and want to borrow a foreign currency loan, you should keep in mind that the local currency (Leu) may depreciate, so you might pay more lei when you buy the euro for payment monthly rate.

We recommend that you take the loan in the currency in which you earn your income.

The type of interest, fixed or variable: for example, if you choose a fixed interest rate for a period, this means that the monthly installment (composed of principal and interest) will remain the same throughout that period; a fixed monthly rate might be a good tool for planning your monthly spending and personal budgeting.

If you opt for a variable interest rate, you must know that it is calculated and updated periodically according to a benchmark index (IRCC/Euribor), plus the Bank fixed margin. Over time, this index may decrease or increase, thus affecting the monthly payment rate. For example, if the reference index decreases, the monthly payment amount is adjusted accordingly and you will pay less. On the other hand, the reference index may increase, in which case the interest rate on loan will increase and the monthly payment obligation will also increase and it may be difficult to reimburse the monthly rate.

APRC (effective annual interest): APRC is a good tool that helps you compare creditors' offers and choose the most advantageous for you in terms of all loan costs (interest, loan card analysis fee, annual management fee, and other costs, as the case may be).

Fees and commissions: these are known from the outset, are included in the loan agreement and cannot be amended by the Bank for the entire duration of the loan; You also have the certainty that during the loan there will be no additional costs than those already mentioned in the contract.

Total Payable Value: is the sum between the amount of the loan and the total cost of the loan, including all the monthly amounts that you will pay at the end of the lending period.

Monthly Reimbursement: This is composed of principal and interest, and you can choose between repayment in equal monthly installments (annuities - in the first years you will pay more interest and less capital monthly) or monthly decreasing installments (in the first years you will pay a higher monthly amount, or repay more capital than interest).

Possible fluctuations in the benchmark index and the exchange rate could affect the amount to be paid by You.

Fluctuation of your earnings may result in the possibility of paying your loan installments.

Please be sure to make your monthly payments on time at the reimbursement date, as otherwise you will pay penalty interest. Deferred payment installments will be reported to the Loan Risk Center (for loans over 20,000 Lei), and if you are delayed for more than 30 days, your loan situation will also be transmitted to the databases of Credit Bureau and this information may make it more difficult for you to obtain loans in the future.

"VISTA 4U" is a mortgage-backed loan that you may access to cover personal expenses, without justifying the use of the amounts granted, or for refinancing consumer loans from other financial institutions.

Thus, your property can offer you access to money for an investment, a car or possible unforeseen expenses.

With a loan amount that can reach up to 70% of the valuation amount of the mortgaged security for loans in Lei and up to 60% of the valuation amount of the mortgaged security for loans in Euro, a wide range of revenue acceptance, the Vista 4U loan is certainly, the best choice.

Loan amount:

• Minimum 22,000 Lei or 5,000 Euro
• Maximum 800,000 Lei or 160,000 Euro
• The financed amount may reach up to 70% of the warranty amount for the loans in Lei and up to 60% for the loans in Euro

Currency: Lei/ Euro.

Loan duration: maximum 60 months (5 years)

Methods to repay the loan:

• Up to 60 monthly equal installments (annuities) composed of principal and interest
• Up to 60 descending monthly installments composed of principal and interest

Early prepayment fee: 0%

Types of available interest rates: variable interest

Representative example Vista 4U

Please access this link.

Warranties:

• Mortgage on a real estate
• Mortgage on the current accounts of the Borrowed / Guarantee opened with Vista Bank (Romania) S.A.
• Mortgage on the insurance policy / contract for fire insurance and other disasters of the mortgaged real estate (mandatory, except for lands)
• You can conclude a non-payment financial risk insurance contract.

Fees:

• File Analysis Fee: 500 LEI for loans in lei or 150 Euro for loans in euro, fixed amount, is paid once, when signing the loan agreement, from own sources;
• Annual management fee: 0.1% per year applicable to the loan balance, is not included in installments; the fee is due annually to the lender for the loan management;
• Unique Fee of EUR 25 Euros in LEI equivalent for services expressly requested by the client for the loan duration and for which the Bank's consent is required, namely the issuance of: a lease/bailment agreement, a consolidation agreement, a dismantling agreement, demolition agreement, building agreement.

The Bank reserves the right to change this offer at any time, and the new terms will be communicated to its Clients by displaying it at the Bank's headquarters, except for offers sent to clients in accordance with the applicable legal requirements.

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you. Fluctuation of your earnings may result into affecting the possibility to pay your loan installments.

Possible additional costs:

Please note that in order to contract a consumer loan guaranteed with mortgage there may be additional costs that are not included in the total cost of the loan; if part of these costs are prior to the conclusion of the agreement, they must be paid regardless of whether or not the loan agreement is concluded.

These additional costs may be, for example:

• Property valuation fee (obtaining the loan is conditional to the submission of a valuation report on the real estate, prepared by an authorized valuator); the cost of the valuation could start from 500 LEI plus VAT, payable to the authorized valuator;
• Costs with the real estate insurance policy (obtaining the loan according to the terms and conditions agreed is conditional on the conclusion of a policy of insurance against fire and other disasters for the immovable property brought as warranty except for lands and the assignment of the rights of compensation in favor of the Bank);
• Notary and warranty publicity fees;
• Other costs due to third parties.

If you are interested in the Vista 4U loan, please fill in the form below and we will contact you as soon as possible:

The borrowed persons can be:

Resident and non-resident individuals (according to the NBR Regulation No. 4/2005 regarding the foreign exchange regime, republished as amended and completed).

The individuals category may include:

• Employees of private or public companies
• freelancers
• business people (associates, shareholders)
• Individuals who earn income from self-employment
• pensioners

Age:

• at least 21 years (at the time of submitting the loan application)
• for income from salaries or assimilated: maximum retirement age for women / men, at the end of the credit period;
• for other income (including pensions): maximum 70 years, at the end of the credit period.

Income sources accepted:

• Salaries
• Pensions
• Incomes from free practice
• Income from self-employment
• Incomes from copyright
• Rents
• Dividends
• Sales / insurance / brokerage fees
• Survivors' benefits
• Life annuities
• Mandate contracts
• Management contracts
• Administration contracts
• Representation contracts
• Seafarer incomes

If you are interested in the Vista 4U, please fill in the form below and we will contact you as soon as possible:

"VISTA 4U" is a housing loan loan addressed to individuals to cover personal expenses without justifying the use of the amounts granted and refinancing consumer loan from other financial institutions.

Too many loan cards or consumer loans? Collect all your installments into one.

Your personal loan "Vista 4U" can ease you from the burden of those huge interests on unsecured loans. It has an attractive interest rate, in other words: a lower monthly installment.

With a loan amount that can reach up to 85% of the assessed value of the warranty for loans in Lei and up to 75% of the assessed value of the warranty for loans in Euro, a wide range of incomes accepted, the Vista 4U loan is certainly, the best choice.

Before contracting a loan, please pay attention to the following:

Choosing your loan currency: If you earn incomes in Lei and you want to contract a foreign currency loan, you should keep in mind that the local currency (Leu) may depreciate, so you might pay more lei when you buy euro in order to pay the monthly installment.

We recommend that you take the loan in the currency in which you earn your income.

The type of interest, fixed or variable: for example, if you choose a fixed interest rate for a period, this means that the monthly installment (composed of principal and interest) will remain the same throughout that period; a fixed monthly installment might be a good tool for planning your monthly spending and personal budgeting.

If you choose for a variable interest installment, you should know that it is calculated and updated periodically according to a benchmark (IRCC / Euribor), plus the Bank's fixed margin. Over time, this index may decrease or increase, thus affecting the monthly payment rate. For example, if the reference index decreases, the monthly payment amount is adjusted accordingly and you will pay less. On the other hand, the benchmark may increase, in which case the interest rate on the loan will increase and the monthly payment obligation will also increase and thus it may become difficult to reimburse the monthly rate.

APRC (effective annual interest rate): APRC is a good tool to help you compare creditors' offers and to choose the most advantageous for you in terms of all loan costs (interest, loan file analysis fee, annual loan management fee and other costs, as appropriate).

Fees and commissions: these are known from the beginning, are included in the loan agreement and cannot be modified by the Bank for the entire duration of the loan; You also have the certainty that during the loan duration there will be no additional costs other than those already mentioned in the contract.

Total Payable Value: is the sum between the amount of the loan and the total cost of the loan, including all the monthly amounts that you will pay at the end of the lending period.

Monthly amount to be repaid: This is composed of principal and interest, and you can choose between repayment in equal monthly installments (annuities - during the first years you will pay more interest and less capital monthly) or monthly decreasing installments (in the first years you will pay a higher monthly amount, or repay more capital than interest).

Possible fluctuations in the benchmark index and the exchange rate could affect the amount to be paid by you.

Fluctuation of your earnings may result in the possibility to affect the payment possibility of the loan installments.

Please be careful to perform your monthly payments on time on the repayment date, otherwise you will pay penalty interest. Delays in paying the installments will be reported to the Loan Risk Center (for loans over 20,000 Lei), and if you are in delay for more than 30 days, your loan situation will also be transmitted to Credit Bureau and this information may make it more difficult for you to get loans in the future.

Loan amount:

• Minimum 22,000 Lei or 5,000 Euro
• Maximum 1,000,000 Lei or 200,000 Euro
• The amount financed may be up to 85% of the guarantee amount for loans in Lei and up to 80% for loans in Euro

Currency: Lei/ Euro.

Loan duration: maximum 60 months (5 years)

Methods to repay the loan:

• Up to 60 monthly equal installments (annuities) composed of principal and interest
• Up to 60 descending monthly installments composed of principal and interest

Early prepayment fee: 0% fee, regardless of the type of interest, fixed or variable

Types of installments of the interest available:

Loans in Lei: you can choose between a variable interest for the entire duration of the loan or a fixed interest rate of one year and then variable.

Loans in foreign currency (euro): variable interest throughout the loan duration

Loans in Euro: Interest rate

Variable for the entire duration of the loan, according to the formula: EURIBOR 6 Months + Fixed Margin^* 7.1pp

The Reference index EURIBOR 6 months is reviewed semesterly on the first business day of each semester in January and July of each year.

^* Clients who transfer their salary monthly to the Bank benefit from a decrease in the fixed margin by 0.30 percentage points

Warranties:

• Mortgage on a real estate
• Mortgage on the current accounts of the Borrowed / Guarantee opened with Vista Bank (Romania) S.A.
• Mortgage on the insurance policy / contract for fire insurance and other disasters of the mortgaged real estate (mandatory, except for lands)
• You can conclude a non-payment financial risk insurance contract.

Fees:

• File Analysis Fee: 500 LEI for loans in lei or 150 Euro for loans in euro, fixed amount, is paid once, when signing the loan agreement, from own sources;
• Annual management fee: 0.1% per year applicable to the loan balance, is not included in installments; the fee is due annually to the lender for the loan management;
• Unique Fee of EUR 25 (twenty-five) Euros in LEI equivalent for services expressly requested by the client for the loan duration and for which the Bank's consent is required, namely the issuance of: a lease/bailment agreement, a consolidation agreement, a dismantling agreement, demolition agreement, building agreement, agreement to change the territorial unit of the Bank.

The Bank reserves the right to change this offer at any time, and the new terms will be communicated to its Clients by displaying it at the Bank's headquarters, except for offers sent to clients in accordance with the applicable legal requirements.

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you. Fluctuation of your earnings may result into affecting the possibility to pay your loan installments.

Possible additional costs:

Please note that in order to contract a consumer loan guaranteed with mortgage there may be additional costs that are not included in the total cost of the loan; if part of these costs are prior to the conclusion of the agreement, they must be paid regardless of whether or not the loan agreement is concluded.

These additional costs may be, for example:

• Property valuation fee (obtaining the loan is conditional to the submission of a valuation report on the real estate, prepared by an authorized valuator); the cost of the valuation could start from EUR 80 plus VAT, payable in Lei equivalent to the authorized valuator;
• Costs with the real estate insurance policy (obtaining the loan according to the terms and conditions agreed is conditional on the conclusion of a policy of insurance against fire and other disasters for the immovable property brought as warranty except for lands and the assignment of the rights of compensation in favor of the Bank);
• Notary and warranty publicity fees;
• Other costs due to third parties.

Representative example Vista 4U Refinancing: Representative_example_Vista_4U_January_2020

Whether you are interested in buying a home or a land, holiday home, into renovating a building or refinancing a loan that has become too expensive, at VISTA BANK we have the right solutions for each and a team ready to assist you for the duration of the entire financing process. And if you bring your monthly income at Vista Bank, you benefit from an advantageous interest rate reduction compared to the standard one!

• We finance up to 85% of the mortgage value for loans in lei and up to 80% for those in euro;
• Long reimbursement period - the loan can be paid for up to 35 years;
• Reduced fixed margin as compared to the standard one, starting from 2.5% p.a. for the loan in Lei, if you bring your monthly income at Vista Bank;
• You can choose between a variable interest rate for the entire duration of the loan and a fixed interest for a certain period and then variable.
• Your income is essential for determining the amount of the loan that you can access.

The details of the VISTA BANK real estate loans offer are carefully studied so that you can benefit from the most competitive conditions.

In particular, the loan for real estate investment can be used for:

• Purchase or maintenance of property rights over a land and / or a building, made or to be accomplished, or
• Rehabilitation, modernization, consolidation or extension of a building, or
• Viable land, or
• Repayment of a loan for real estate investment.

Loan amount:

• Minimum 33.000 Lei or 7.500 Euro
• The amount financed may be up to 85% of the guarantee amount for loans in Lei and up to 80% for loans in Euro.

Currency: Lei/ Euro.

Loan duration: maximum 420 months (35 years)

Methods to repay the loan:

• Up to 420 monthly equal installments (annuities) composed of principal and interest
• Up to 420 descending monthly installments composed of principal and interest

Early prepayment fee: 0% fee, regardless of the type of interest, fixed or variable

Types of installments of the interest available:

Loans in Lei: you can choose between a variable interest for the entire duration of the loan or a fixed interest rate of one year and then variable.

Representative example Vista Home

Please access this link.

Warranties:

• Mortgage on a real estate
• Mortgage on the current accounts of the Borrowed / Guarantee opened with Vista Bank (Romania) S.A.
• Mortgage on the insurance policy / contract for fire insurance and other disasters of the mortgaged real estate (mandatory, except for lands)

Fees:

• File Analysis Fee: 500 LEI for loans in lei or 150 Euro for loans in euro, fixed amount, is paid once, when signing the loan agreement, from own sources;
• Annual management fee: Loans in lei: 200 LEI per year, Loans in Euro: 0.2% p.a. applicable to the loan balance, is not included in installments; the commission is due annually to the lender for the loan management;
• Unique Fee of EUR 25 Euros in LEI equivalent for services expressly requested by the client for the loan duration and for which the Bank's consent is required, namely the issuance of: a lease/bailment agreement, a consolidation agreement, a dismantling agreement, demolition agreement, building agreement.

In the case of non-resident individuals, the offer is different. For more information please come to any Vista Bank unit.

The Bank reserves the right to change this offer at any time, and the new terms will be communicated to its Clients by displaying it at the Bank's headquarters, except for offers sent to clients in accordance with the applicable legal requirements.

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you. Fluctuation of your earnings may result into affecting the possibility to pay your loan installments.

Possible additional costs:

Please note that in order to contract a consumer loan guaranteed with mortgage there may be additional costs that are not included in the total cost of the loan; if part of these costs are prior to the conclusion of the agreement, they must be paid regardless of whether or not the loan agreement is concluded.

These additional costs may be, for example:

• Property valuation fee (obtaining the loan is conditional to the submission of a valuation report on the real estate, prepared by an authorized valuator); the cost of the valuation could start from 500 LEI plus VAT, payable to the authorized valuator;
• Costs with the real estate insurance policy (obtaining the loan according to the terms and conditions agreed is conditional on the conclusion of a policy of insurance against fire and other disasters for the immovable property brought as warranty except for lands and the assignment of the rights of compensation in favor of the Bank);
• Costs with the payment default insurance policy, which you may conclude with an insurer.
• Notary and warranty publicity fees;
• Other costs due to third parties.

If you are interested in the Vista Home, please fill in the form below and we will contact you as soon as possible:

The borrowed persons can be:

Resident and non-resident individuals (according to the NBR Regulation No. 4/2005 regarding the foreign exchange regime, republished as amended and completed).

The individuals category may include:

• Employees of private or public companies
• freelancers
• business people (associates, shareholders)
• Individuals who earn income from self-employment
• pensioners

Age:

• at least 21 years (at the time of submitting the loan application)
• for income from salaries or assimilated: maximum retirement age for women / men, at the end of the credit period;
• for other income (including pensions): maximum 70 years, at the end of the credit period.

Income sources accepted:

• Salaries
• Pensions
• Incomes from free practice
• Income from self-employment
• Incomes from copyright
• Rents
• Dividends
• Sales / insurance / brokerage fees
• Survivors' benefits
• Life annuities
• Mandate contracts
• Management contracts
• Administration contracts
• Representation contracts
• Seafarer incomes

If you are interested in the Vista Home, please fill in the form below and we will contact you as soon as possible:

Before contracting a loan, please pay attention to the following:

Choosing your loan currency: If you earn incomes in Lei and you want to contract a foreign currency loan, you should keep in mind that the local currency (Leu) may depreciate, so you might pay more lei when you buy euro in order to pay the monthly installment. We recommend that you take the loan in the currency in which you earn your income.

The type of interest, fixed or variable: for example, if you choose a fixed interest rate for a period, this means that the monthly installment (composed of principal and interest) will remain the same throughout that period; a fixed monthly installment might be a good tool for planning your monthly spending and personal budgeting.

If you choose for a variable interest installment, you should know that it is calculated and updated periodically according to a benchmark (IRCC / Euribor), plus the Bank's fixed margin. Over time, this index may decrease or increase, thus affecting the monthly payment rate. For example, if the reference index decreases, the monthly payment amount is adjusted accordingly and you will pay less. On the other hand, the benchmark may increase, in which case the interest rate on the loan will increase and the monthly payment obligation will also increase and thus it may become difficult to reimburse the monthly rate.

APRC (effective annual interest rate): APRC is a good tool to help you compare creditors' offers and to choose the most advantageous for you in terms of all loan costs (interest, loan file analysis fee, annual loan management fee and other costs, as appropriate).

Fees and commissions: these are known from the beginning, are included in the loan agreement and cannot be modified by the Bank for the entire duration of the loan; You also have the certainty that during the loan duration there will be no additional costs other than those already mentioned in the contract.

Total Payable Value: is the sum between the amount of the loan and the total cost of the loan, including all the monthly amounts that you will pay at the end of the lending period.

Monthly amount to be repaid: This is composed of principal and interest, and you can choose between repayment in equal monthly installments (annuities - during the first years you will pay more interest and less capital monthly) or monthly decreasing installments (in the first years you will pay a higher monthly amount, or repay more capital than interest).

Possible fluctuations in the benchmark index and the exchange rate could affect the amount to be paid by you.

Fluctuation of your earnings may result in the possibility to affect the payment possibility of the loan installments.

Please be careful to perform your monthly payments on time on the repayment date, otherwise you will pay penalty interest. Delays in paying the installments will be reported to the Loan Risk Center (for loans over 20,000 Lei), and if you are in delay for more than 30 days, your loan situation will also be transmitted to Credit Bureau and this information may make it more difficult for you to get loans in the future.

Financing with preferential costs for Green Homes

Why should you choose a Green Home? Because it is the ideal investment for a better future. It ensures a healthier and more comfortable life, a minimum impact on the environment and, last but not least, brings long-term savings through reduced costs for utilities and repairs.

Moreover, Vista Green Home offers you a more advantageous financing alternative compared to standard loans!

Thus, if you choose a green, environmentally friendly home, we reward you with financing at preferential costs (interest and fees). Moreover, you can cumulatively benefit from the interest discount if you transfer your monthly income to Vista Bank, thus accessing the most advantageous real estate loan offer in the bank's portfolio!

Benefits:

• Reduced fixed margin as compared to the standard one, starting from 2.35%/year, if you bring your monthly income to Vista Bank;
• 50% discount on the standard loan’s analysis and annual administration fees;
• Long reimbursement period - the loan can be paid for dup to 35 years;
• We finance up to 85% of the mortgage value for loans in lei and up to 80% for those in euro;
• Your income is essential for determining the amount of the loan that you can access.

The details of the VISTA BANK real estate loans offer are carefully studied so that you can benefit from the most competitive conditions.

In particular, the Vista Green Home real estate loan can be used by individual clients that:

• Purchase, upgrade, expand or build residential homes certified or pre-certified as Green Homes by RoGBC
• Purchase finalized apartments in a residential project certified or pre-certified as Green Home by RoGBC
• Refinances a loan for residential real estate investments, if the purchased / modernized / built home is certified or pre-certified as Green Home by RoGBC.

What does a Green Home mean?

Green Homes meet a number of sustainability criteria that ensure both a minimal impact on the environment and a superior quality of life for homeowners.

Thus, green projects involve high energy performance, reduced water consumption, more natural light, clean indoor air, acoustic comfort, durable materials (rarer repairs), multifunctional design, landscaping, use of non-toxic materials, low carbon emissions, waste sorting and collection system, quick access to public transport or facilitating pedestrian, bicycle or electric transport.

In terms of costs, initial investments in quality and performance are offset over time by savings from much lower utility and repair bills.

How are Green Homes certified?

Green Certification is granted by specialized institutions, and Vista Bank accepts Green Homes certified or pre-certified by Romania Green Building Council (RoGBC).

To find out more, we invite you to visit the RoGBC website.

Loan amount:

• Minimum 33.000 Lei or 7.500 Euro
• The amount financed may be up to 85% of the guarantee amount for loans in Lei and up to 80% for loans in Euro.

Currency: Lei/ Euro.

Loan duration: maximum 420 months (35 years)

Methods to repay the loan:

• Up to 420 monthly equal installments (annuities) composed of principal and interest
• Up to 420 descending monthly installments composed of principal and interest

Early prepayment fee: 0% fee

Types of installments of the interest available:

Representative example Vista Green Home

Please access this link.

Warranties:

• Mortgage on a real estate
• Mortgage on the current accounts of the Borrowed / Guarantee opened with Vista Bank (Romania) S.A.
• Mortgage on the insurance policy / contract for fire insurance and other disasters of the mortgaged real estate (mandatory, except for lands)

Fees:

• File Analysis Fee: 250 LEI for loans in lei or 75 Euro for loans in euro, fixed amount, is paid once, when signing the loan agreement, from own sources;
• Annual management fee: Loans in lei: 100 LEI per year, Loans in Euro: 0.1% p.a. applicable to the loan balance, is not included in installments; the commission is due annually to the lender for the loan management;
• Unique Fee of EUR 25 Euros in LEI equivalent for services expressly requested by the client for the loan duration and for which the Bank's consent is required, namely the issuance of: a lease/bailment agreement, a consolidation agreement, a dismantling agreement, demolition agreement, building agreement.

The Bank reserves the right to change this offer at any time, and the new terms will be communicated to its Clients by displaying it at the Bank's headquarters, except for offers sent to clients in accordance with the applicable legal requirements.

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you.

Fluctuation of your earnings may result into affecting the possibility to pay your loan installments.

Possible additional costs:

Please note that in order to contract a consumer loan guaranteed with mortgage there may be additional costs that are not included in the total cost of the loan; if part of these costs are prior to the conclusion of the agreement, they must be paid regardless of whether or not the loan agreement is concluded.

These additional costs may be, for example:

• Property valuation fee (obtaining the loan is conditional to the submission of a valuation report on the real estate, prepared by an authorized valuator); the cost of the valuation could start from 500 LEI plus VAT, payable to the authorized valuator;
• Costs with the real estate insurance policy (obtaining the loan according to the terms and conditions agreed is conditional on the conclusion of a policy of insurance against fire and other disasters for the immovable property brought as warranty except for lands and the assignment of the rights of compensation in favor of the Bank);
• Costs with the payment default insurance policy, which you may conclude with an insurer.
• • Notary and warranty publicity fees;
• Other costs due to third parties.

If you are interested in the Vista Green Home, please fill in the form below and we will contact you as soon as possible:

The borrowed persons can be:

Resident and non-resident individuals (according to the NBR Regulation No. 4/2005 regarding the foreign exchange regime, republished as amended and completed) who purchase, modernize, expand or build residential houses certified or pre-certified as Green Homes by the Romania Green Building Council (RoGBC).

The individuals category may include:

• Employees of private or public companies
• freelancers
• business people (associates, shareholders)
• Individuals who earn income from self-employment
• pensioners

Age:

• at least 21 years (at the time of submitting the loan application)
• for income from salaries or assimilated: maximum retirement age for women / men, at the end of the credit period;
• for other income (including pensions): maximum 70 years, at the end of the credit period.

Income sources accepted:

• Salaries
• Pensions
• Incomes from free practice
• Income from self-employment
• Incomes from copyright
• Rents
• Dividends
• Sales / insurance / brokerage fees
• Survivors' benefits
• Life annuities
• Mandate contracts
• Management contracts
• Administration contracts
• Representation contracts
• Seafarer incomes

If you are interested in the Vista Green Home, please fill in the form below and we will contact you as soon as possible:

Before contracting a loan, please pay attention to the following:

Choosing your loan currency: If you earn incomes in Lei and you want to contract a foreign currency loan, you should keep in mind that the local currency (Leu) may depreciate, so you might pay more lei when you buy euro in order to pay the monthly installment. We recommend that you take the loan in the currency in which you earn your income.

Variable interest: it is calculated and updated periodically according to a benchmark (IRCC / Euribor), plus the Bank's fixed margin. Over time, this index may decrease or increase, thus affecting the monthly payment rate. For example, if the reference index decreases, the monthly payment amount is adjusted accordingly and you will pay less. On the other hand, the benchmark may increase, in which case the interest rate on the loan will increase and the monthly payment obligation will also increase and thus it may become difficult to reimburse the monthly rate.

APRC (effective annual interest rate): APRC is a good tool to help you compare creditors' offers and to choose the most advantageous for you in terms of all loan costs (interest, loan file analysis fee, annual loan management fee and other costs, as appropriate).

Fees and commissions: these are known from the beginning, are included in the loan agreement and cannot be modified by the Bank for the entire duration of the loan; You also have the certainty that during the loan duration there will be no additional costs other than those already mentioned in the contract.

Total Payable Value: is the sum between the amount of the loan and the total cost of the loan, including all the monthly amounts that you will pay at the end of the lending period.

Monthly amount to be repaid: This is composed of principal and interest, and you can choose between repayment in equal monthly installments (annuities - during the first years you will pay more interest and less capital monthly) or monthly decreasing installments (in the first years you will pay a higher monthly amount, or repay more capital than interest).

Possible fluctuations in the benchmark index and the exchange rate could affect the amount to be paid by you.

Fluctuation of your earnings may result in the possibility to affect the payment possibility of the loan installments.

Please be careful to perform your monthly payments on time on the repayment date, otherwise you will pay penalty interest. Delays in paying the installments will be reported to the Loan Risk Center (for loans over 20,000 Lei), and if you are in delay for more than 30 days, your loan situation will also be transmitted to Credit Bureau and this information may make it more difficult for you to get loans in the future.

If you decided to move into your own home and are looking for a financial partner to make things easier, VISTA BANK is close to you by its team ready to assist you throughout the financing process. Moreover, the New Home Program brings you a real estate loan with advantages such as reduced minimum advance and costs,, plus guarantees from the Romanian State. Learn more in the Terms and Conditions and Eligibility Conditions sections above.

Advantages:

• Advantageous variable interest: IRCC + 2% / year fixed margin
• ZERO commissions for file analysis and credit administration
• The maximum loan value is EUR 119,000 (in LEI equivalent) for new homes
• Minimum advance of 5% or 15% depending on the type of housing financed
• Wide range of accepted income
• Payment of installments directly through Vista Internet și Mobile Banking, without trips to the bank

Before concluding a loan contract through the New Home Program, please pay attention to the following aspects:

Variable interest: the variable interest rate is calculated and periodically updated according to a benchmark index (IRCC), plus the Bank's fixed margin. Over time, this index may decrease or increase, thus affecting the monthly payment rate. For example, if the reference index decreases, the monthly payment amount is adjusted accordingly and you will pay less. On the other hand, the benchmark may increase, in which case the interest rate on the loan will increase and the monthly payment obligation will also increase and thus it may become difficult to reimburse the monthly rate.

APRC (Annual Percentage Rate of Charge - DAE): is a good tool to help you compare the creditor offers and choose the most advantageous one for you in terms of all loan costs (interest, loan card file analysis fee, annual management fee of the loan and other costs, as appropriate).

Feesand commissions: these are known from the very beginning, they are included in the loan contract and cannot be modified by the Bankon the entire duration of the loan; there will be no additional costs other than those already mentioned within the contract.

Total payable amount: is the sum between the amount of the loan and the total cost of the loan, including all monthly payable amounts that you will pay by the end of the lending period.

Monthly Amount to be Reimbursed: This is composed of principal and interest, and you can choose between repayment in equal monthly installments or in decreasing monthly installments.

Possible fluctuations in the benchmark index could affect the amount to be paid by you.

The fluctuations of your income may affect your payment capability of the loan installments.

Please be sure to make the monthly payments on time, as provided in the reimbursement schedule, otherwise you will pay a penalty interest. Deferred payments will be reported to the Loan Risk Center (for loans over 20,000 Lei), and if you delay more than 30 days, your loan balance will also be transmitted to Credit Bureau and this information may make it difficult for you to get loans in the future.

For more details, please see the Terms and Conditions and Eligibility Conditions sections above.

If you are interested in a New Home mortgage loan from Vista Bank, please fill in the form below and we will contact you as soon as possible:

Currency: Lei

Minimal value of the loan: 33.000 Lei

Maximum loan amount and minimum advance:

Depending on the type of house to be purchased, the loan’s maximum value is:

• 66,500 euros, in lei equivalent, for any type of finalized dwelling, regardless of their age, whose value is up to 70,000 euros, in lei equivalent. In this case, the minimum advance required is 5%. The financing granted by the bank covers a maximum of 95% of the purchase price of the dwelling, but not more than the value resulting from the house appraisal report.
• between 59,500 euro and 119,000 euro, in lei equivalent, for new / recently consolidated and finalized dwellings (the reception at the end of the works for new constructions or for dwelling consolidations and / or for reducing the seismic risk was made with less than 5 years before the date of applying for the loan), whose value is between 70,001 euro and maximum 140,000 euro, in lei equivalent. The minimum advance required in this case is 15%. The financing granted by the bank covers a maximum of 85% of the purchase price of the dwelling, but not more than the value resulting from the house appraisal report.

The program also allows the purchase of properties with values exceeding 70,000 euros/ 140,000 euros, provided that the difference is paid from own sources.

Important:

Maximum duration: 30 years

Interest Rate:

Fluctuating Interest throughout all the loan duration: IRCC + Fixed Margin 2%

The IRCC benchmark index is revised quarterly, on the first working day of each quarter, in January, April, July, October of each year. Possible fluctuations in the benchmark index could affect the amount you have to pay.

Commissions and other fees:

• File analysis commission: 0 lei;
• Annual loan management fee: 0%;
• Early repayment fee: 0%
• Management fee due to FNGCIMM and recovered from the beneficiary: 0.15%/year, applied to the balance of the financing guaranteed by the state;
• FNGCIMM Analysis Commission (charged only in case of guarrantee promise): 0,15%/year perceived within the value of the guarrantee promise;
• The real estate evaluation fee, guarantees publicity fees (RNPM, notary / OCPI, etc.), as well as the insurance premiums of the financed property will be paid by the client from own sources.

Guarranties:

• First rank mortgage on a the dwelling purchased, in favor of the Romanian State, represented by the Ministry of Finance, and of Vista Bank (Romania) S.A., as well as the estrangement interdiction for 5 years from the acquisition date and encumbrances during the whole period of loaning on the purchased building
• The guarantee granted by FNGCIMM, in the name and on behalf of the Romanian State.
• Collateral deposit in favor of the bank, to ensure interest guarantee, equal to 3 interest rates, validly unavailable for the entire duration of the financing;
• Compulsory home insurance (PAD) and Optional real estate insurance, against all risks, assigned in favor of the Romanian State - represented by the Ministry of Public Finance – and of the bank, for the entire crediting period, including proof of notification of the assignment to the insurer.
• Real movable mortgage assigned in favor of the Romanian State and the Bank proportionally to the guarantee percentages, on the credit balance of all the beneficiary’s current accounts opened with Vista Bank (Romȃnia) S.A, available until the settlement of the receivables due by the beneficiary according to the loan and guarantee contracts.

Representative Annual Percentage Rate of Charge (APRC - DAE) calculation example:

• To view a representative calculation example, please access this link.

If you are interested in a New Home mortgage loan from Vista Bank, please fill in the form below and we will contact you as soon as possible:

The borrowers may be:

Resident individuals who, at the date of the loan application:

• Do not own, alone or together with his/her spouse, any residential property, regardless of the way and moment in which/when it was acquired OR own in exclusive property or together with the spouse at most one residential property, acquired through any other way than through the First House/New Home Program, with an usable area of less than 50 square meters.
• Purchase a single home, through a loan granted and guaranteed under the terms of the Program.
• Possess the minimum necessary advance, according to the conditions of the Program.
• Possess the amount that will be blocked in the collateral deposit set up to guarantee the interest, which will be unavailable until the full repayment of the loan and will not bear interest. The amount will be the equivalent of the first 3 interest rates.

The individuals category may include:

• employees of private or public companies
• freelancers
• businessmen (associates, shareholders)
• individuals who obtain incomes out of freelancing
• retired persons

Age:

• minimum 21 years old (on the date of the loan application submission)
• for income from salaries or assimilated; maximum retirement age for women / men, at the end of the credit period;
• for other income (including pensions): maximum 70 years, at the end of the credit period.

Accepted income sources:

• Salaries
• Pensions
• Freelancing
• Incomes from self-employment
• Incomes from royalty payments
• Rentals
• Dividends
• Sales commissions/ insurance/ intermediation
• Survivor’s pensions
• Life annuities
• Contracts of mandate
• Management agreements
• Management contracts
• Representation contracts
• Seafaring incomes

If you are interested in the New Home mortgage loan from Vista Bank, please fill in the form below and we will contact you as soon as possible:

The borrowed persons can be:

Resident and non-resident individuals (according to the NBR Regulation No. 4/2005 regarding the foreign exchange regime, republished as amended and completed).

The individuals category may include:

• Employees of private or public companies
• freelancers
• business people (associates, shareholders)
• Individuals who earn income from self-employment
• pensioners

Age:

• at least 21 years (at the time of submitting the loan application)
• for income from salaries or assimilated: maximum retirement age for women / men, at the end of the credit period;
• for other income (including pensions): maximum 70 years, at the end of the credit period.

Income sources accepted:

• Salaries
• Pensions
• Incomes from free practice
• Income from self-employment
• Incomes from copyright
• Rents
• Dividends
• Sales / insurance / brokerage fees
• Survivors' benefits
• Life annuities
• Mandate contracts
• Management contracts
• Administration contracts
• Representation contracts
• Seafarer incomes

If you are interested in the Vista Home ANL, please fill in the form below and we will contact you as soon as possible:

Before contracting a loan, please pay attention to the following:

• Choosing your loan currency: If you earn incomes in Lei and you want to contract a foreign currency loan, you should keep in mind that the local currency (Leu) may depreciate, so you might pay more lei when you buy euro in order to pay the monthly installment. We recommend that you take the loan in the currency in which you earn your income.
• The type of interest, fixed or variable: for example, if you choose a fixed interest rate for a period, this means that the monthly installment (composed of principal and interest) will remain the same throughout that period; a fixed monthly installment might be a good tool for planning your monthly spending and personal budgeting.
• If you choose for a variable interest installment, you should know that it is calculated and updated periodically according to a benchmark (IRCC / Euribor), plus the Bank's fixed margin. Over time, this index may decrease or increase, thus affecting the monthly payment rate. For example, if the reference index decreases, the monthly payment amount is adjusted accordingly and you will pay less. On the other hand, the benchmark may increase, in which case the interest rate on the loan will increase and the monthly payment obligation will also increase and thus it may become difficult to reimburse the monthly rate.
• APRC (effective annual interest rate): APRC is a good tool to help you compare creditors' offers and to choose the most advantageous for you in terms of all loan costs (interest, loan file analysis fee, annual loan management fee and other costs, as appropriate).
• Fees and commissions: these are known from the beginning, are included in the loan agreement and cannot be modified by the Bank for the entire duration of the loan; You also have the certainty that during the loan duration there will be no additional costs other than those already mentioned in the contract.
• Total Payable Value: is the sum between the amount of the loan and the total cost of the loan, including all the monthly amounts that you will pay at the end of the lending period.
• Monthly amount to be repaid: This is composed of principal and interest, and you can choose between repayment in equal monthly installments (annuities - during the first years you will pay more interest and less capital monthly) or monthly decreasing installments (in the first years you will pay a higher monthly amount, or repay more capital than interest).

Possible fluctuations in the benchmark index and the exchange rate could affect the amount to be paid by you.

Fluctuation of your earnings may result in the possibility to affect the payment possibility of the loan installments.

Please be careful to perform your monthly payments on time on the repayment date, otherwise you will pay penalty interest. Delays in paying the installments will be reported to the Loan Risk Center (for loans over 20,000 Lei), and if you are in delay for more than 30 days, your loan situation will also be transmitted to Credit Bureau and this information may make it more difficult for you to get loans in the future.

If you are interested in buying a home built by ANL through the "Housing Development Program for Youth for Rent", you will find the right solution and a team ready to assist you during the entire financing process.

The details of the VISTA BANK real estate investment loan offer are carefully studied so that you can benefit from the most competitive conditions.

• Your income is critical for determining the amount of the loan that you can access
• You have a long repayment period - the loan can be paid for up to 35 years.

Loan amount:

• Minimum 33,000 Lei
• Own contribution of at least 15% of the price or of the estimate amount
• The amount financed may be up to 85% of the guarantee amount

Currency: Lei

Loan duration: maximum 420 months (35 years)

Methods to repay the loan:

• Up to 420 monthly equal installments (annuities) composed of principal and interest
• Up to 420 descending monthly installments composed of principal and interest

Types of installments of the interest available:

Loans in Lei – Interest rate

Variable - for the entire duration of the loan, according to the IRCC + Fixed Margin formula 2.8 pp

The IRCC Reference Index is reviewed quarterly on the first working day of each quarter in January, April, July, October of each year

Representative example Vista Home ANL

Please access this link.

Warranties:

• Mortgage on a real estate
• Mortgage on the current accounts of the Borrowed / Guarantee opened with Vista Bank (Romania) S.A.
• Mortgage on the insurance policy / contract for fire insurance and other disasters of the mortgaged real estate (mandatory, except for lands)

Fees:

• File Analysis Fee: 300 LEI for loans in lei fixed amount, is paid once, when signing the loan agreement, from own sources;
• Annual management fee: 200 LEI per year, applicable to the loan balance, is not included in installments; the commission is due annually to the lender for the loan management;
• Unique Fee of EUR 25 (twenty-five) Euros in LEI equivalent for services expressly requested by the client for the loan duration and for which the Bank's consent is required, namely the issuance of: a lease/bailment agreement, a consolidation agreement, a dismantling agreement, demolition agreement, building agreement, agreement to change the territorial unit of the Bank.

The Bank reserves the right to change this offer at any time, and the new terms will be communicated to its Clients by displaying it at the Bank's headquarters, except for offers sent to clients in accordance with the applicable legal requirements.

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you. Fluctuation of your earnings may result into affecting the possibility to pay your loan installments.

Possible additional costs:

Please note that in order to contract a consumer loan guaranteed with mortgage there may be additional costs that are not included in the total cost of the loan; if part of these costs are prior to the conclusion of the agreement, they must be paid regardless of whether or not the loan agreement is concluded.

These additional costs may be, for example:

• Property valuation fee (obtaining the loan is conditional to the submission of a valuation report on the real estate, prepared by an authorized valuator); the cost of the valuation could start from EUR 80 plus VAT, payable in Lei equivalent to the authorized valuator;
• Costs with the real estate insurance policy (obtaining the loan according to the terms and conditions agreed is conditional on the conclusion of a policy of insurance against fire and other disasters for the immovable property brought as warranty except for lands and the assignment of the rights of compensation in favor of the Bank);
• Notary and warranty publicity fees;
• Other costs due to third parties.

If you are interested in the Vista Home ANL loan, please fill in the form below and we will contact you as soon as possible:

The borrowers may be:

Resident and non-resident individuals (according to NBR Rules No. 4/2005 concerning the currency regime, re-published with its subsequent modifications and completions).

The individuals category may include:

• employees of private or public companies
• freelancers
• businessmen (associates, shareholders)
• individuals who obtain incomes out of freelancing
• retired persons

Age:

• minimum 21 years old (on the date of the loan application submission)
• for income from salaries or assimilated: maximum retirement age for women / men, at the end of the credit period;
• for other income (including pensions): maximum 70 years, at the end of the credit period.

Accepted income sources:

• Salaries
• Pensions
• Freelancing
• Incomes from self-employment
• Incomes from royalty payments
• Rentals
• Dividends
• Sales commissions/ insurance/ intermediation
• Survivor’s pensions
• Life annuities
• Contractsof mandate
• Management agreements
• Management contracts
• Representation contracts
• Seafaring incomes

If you are interested in the Vista Auto, please fill in the form below and we will contact you as soon as possible:

If you are tired of crowded transport means or you are planning to explore the beautiful regions of the country with the car of your dreams, then Vista Auto loan for purchasing new cars is the right choice for you. This way you can plan long holidays with your friends, and everyone will admire your new car.

• You can get a loan in Lei, Euro or US Dollars, according to your needs and earnings;
• You can increase the financed value with the help of your first degree relatives who will become Co-Debtors;
• Zero loan management fees, the only payment will be the monthly installment;
• You will be the owner of the vehicle from the very beginning;

Your car will benefit of the advantages of the insurance Casco Policy.

With Vista Auto loan you can buy faster the car you wish. This way, you will enjoy immediately the comfort of your new car on family trips, journeys with friends or on everyday driving.

• You can get a loan in Lei or Euro, according to your needs and earnings;
• You can increase the financed value with the help of your first degree relatives who will become co-debtors;
• Zero loan management fees, the only payment will be the monthly installment;
• You will be the owner of the vehicle from the very beginning.

Your car will benefit from the advantages of the Casco insurance policy.

Borrower: Individuals.

Purpose: Acquiring and maintaining the ownership right on a vehicle

Loan value:

The maximum admitted amount is of:

• Up to 75% of the acquisition value of the vehicle but not exceeding:
  • 50.000 Euro for loans denominated in Euro
  • 220.000 Lei for loans denominated in Lei.

In the case of taking over consumer loans granted for the purpose of acquiring or maintaining the ownership right on a motor vehicle contracted from other financial institutions or from the Bank - up to 100% of the balance plus the related interests and commissions, but not exceeding 75% of the purchase value of the vehicle and the maximum allowed for this product.

Currency: Lei or EUR.

Loan duration: maximum up to 60 months (5 years).

Loan reimbursement means:

• Up to 60 Monthly Equal Installments (annuities) composedof principal andinterest
• Up to 60 Monthly decreasing installments composed of principal and interest

The interest rate (variable): will change following the calculation formula:

• For loans denominated in EUR: EURIBOR at 3 Months + Fixed Margin 8,5 pp
• For loans denominated in LEI: IRCC + Fixed Margin 8,5 pp

Warranties:

• Collateral without dispossession on the acquired vehicle
• (CASCO) Insurance assignment on the acquired vehicle
• Mortgage on the Lessee’s current accounts opened against Vista Bank (Romania) SA

Commissions and other fees:

• File analysis commission: 300 Euro in fixed amount, regardless of the loan value; The commission will be charged in Euros for the loans denominated in Euros and in Lei equivalent at the NBR exchange rate on the payment day for the loans denominated in Lei. The commission will be charged only if the loan is granted and is paid by the Borrower when signing the contracts, from own sources;
• The Unique Commission of 25 Euros, for services expressly requested by the client during the loan duration and for which the Bank’s consent is required, respectively the issuing of: a lease/ loan agreement. The fee will be charged in Euro for the loans denominated in Euros and in Lei equivalent,at the NBR exchange rate on the payment day for the loans denominated in Lei.

The Bank will levy from the borrower any costs claimed by third parties in connection with the conclusion and performance of the contract (e.g. Insurance Policy, registration costs of collateral, etc.).

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you.

Representative APRC calculation example:

The value of the IRCC Reference Index used is 5.66%, valid from January 3^rd, 2025.

Obtaining the loan according to the terms and conditions agreed upon is conditional upon the conclusion of a CASCO insurance policy for the funded vehicle with a value of at least 100% of its value and the assignment of the redemption rights in favor of the Bank. Other costs due to third parties are not known to the lender and, as a consequence, are not included in the APRC.

For more details, visit the nearest Vista Bank branch!