Exim Banca Românească offers various credit options for individuals. These include personal loans, refinancing, mortgage loans, and construction financing. Therefore, you can find the option that best suits your needs.
With Exim, you can get credit to implement a plan or organize your finances.
See below how each option works and what you need to do to apply.
Exim Loans
See the terms and conditions and learn how to apply for your loan today!
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Main Conclusions
- Personal loan without needing to justify how you will use the money.
- Fixed-rate options.
- Refinancing to consolidate debts into a single payment.
- Home loans and loans for construction or renovation.
- Order started online or at an agency.
The Benefits of Exim Loans for Your Finances
Exim Banca Românească is a bank with majority state capital and branches throughout Romania. Its credit offerings cater to both everyday expenses and larger projects, such as buying a home.
Simulation Before Ordering
Before applying, you can simulate the installment payment. This way, you can find out how much you will pay per month and choose the amount and term that fit your budget.
Fixed Installments, No Surprises
For personal loans, Exim offers options with fixed interest rates. The monthly payment remains the same until the end of the contract, which greatly simplifies planning.
With these advantages, Exim is an option worth comparing with offers from other banks before making a decision.
Personal Loan for Any Need
A personal loan is the simplest form of credit from Exim. You can use the money however you want, without needing to present receipts or budgets.
Without needing to justify the use of the money.
A major advantage of a personal loan is the freedom it offers. The money can be used for a trip, new furniture, repairs, or unexpected expenses.
Simple Documents to Request
Generally, you need your identity document and proof of income. The bank also checks your credit history.
Here are the main features of Exim's personal loan:
- Freedom in the use of money
- Simplified documentation
- Fixed installment option
| Feature | Description |
| Required Documentation | Valid identity document and proof of income. |
| Type of interest | Fixed or variable, depending on the offer. |
| Use of credit | Customer's free choice |
Easy Credit: Approval Requirements
As with any bank, approval depends on an analysis of your profile. But there are some basic requirements that help a lot.
Approval Requirements and Conditions
See below for the main requirements and how each one is verified:
| Requirement | Description | How is it verified? |
| Age | Minimum of 18 years | identity document |
| Income | Stable and proven | Proof of income or bank statements |
| Credit history | No significant delays | Consultation with the Credit Bureau |
By meeting these requirements, your chances of approval increase. The final amount and rate are determined by the bank after the analysis.
A loan with installments that fit your budget is a good option for those who need to resolve a financial issue with planning.
Refinancing to Organize Your Debts
If you have multiple loans or credit cards, refinancing can consolidate them into a single debt. This way, you only pay one installment per month.
How it Works and Who Can Apply
Exim provides a new loan that settles your debts with other banks. It's available to anyone with outstanding debts who wants to simplify their payments.
Single Payment and More Organization
With a single payment, it's easier to control your budget. If the new rate is lower than the current one, you'll save even more on interest.
Before deciding, compare the total cost of the new loan with what you pay today.
To find out the current refinancing conditions, please consult the official Exim website or an agency.
Mortgage Loans: Higher Amounts and Longer Terms
To buy a property, Exim offers mortgage loans with long repayment terms. It's an option for those who want to stop renting.
The bank also participates in the government's Noua Casă (formerly Prima Casă) program, aimed at those buying their first property.
Conditions and Points of Attention
Here's what you need to know about Exim's mortgage loan:
- High values, with the property as collateral.
- Payment terms spanning several decades.
- Options with fixed interest rates in the first few years.
- Down payment required, which varies depending on the type of loan.
In mortgage lending, the process includes the property documents and a property valuation.
With planning, owning your own home becomes more attainable, with installments that fit your budget.
Construction Loans: Make Your Project a Reality
If you want to build or renovate your home, Exim also has credit solutions for real estate investments.
The money is released for a specific project with a clear budget. This helps keep costs under control.
Money Release Steps
In construction loans, funds are usually released in stages:
- Project evaluation and loan approval.
- Release of the first installment at the start of construction.
- Subsequent installments will be released as the work progresses, after verification.
This way, you have the right amount of money for each phase and the project proceeds as planned.
Exim Customer Service Channels
Before applying for credit, it's worth clearing up any doubts. Exim has various channels for this.
You can choose the channel that is most convenient for your daily life.
Where to Find Information
See the main channels and what each one is used for:
| Canal | What is it for |
| Official website (eximbank.ro) | Current offers, simulations, and order start. |
| Real Estate Agencies | Consultation with a consultant and document delivery. |
| Call center | Quick questions about products and orders |
With the right information, you can make a more informed decision about your credit.
Conclusion
Exim Banca Românească offers a full range of credit options for individuals. These include personal loans, refinancing, mortgage loans, and construction loans.
Before applying, compare the rate, total cost, and installment amount with other banks. This way, you can choose the option that truly fits your budget.
Want to know what documents are needed and how to apply? Check out our complete guide.
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FAQ
What are the requirements to apply for a loan from Exim?
To be at least 18 years old, have a valid identity document, verifiable income, and a credit history without significant arrears.
Can the Exim personal loan be used for anything?
Yes. The bank does not ask for justification regarding the use of the money.
Does Exim offer loans with fixed interest rates?
Yes, there are fixed-interest options for personal loans and some mortgage loans. Check the current offer on the official website.
How does refinancing work?
You receive a new loan that pays off your current debts, and you will only pay a single installment.
Does Exim participate in the Noua Casă program?
Yes. The bank grants credit through the Noua Casă program, following the program rules.
How is the construction loan money released?
In stages, as the work progresses and after verification of each phase.
Can I know the installment amount before ordering?
Yes. You can run a simulation on the bank's website or at a branch.
Is loan approval guaranteed?
No. Approval, amount, and rate depend on the analysis performed by the bank.
This website is independent and has no connection with Exim Banca Românească. The information provided is for informational purposes only; please check the current rates and conditions on the bank's official website.
