If you need a HY Credit real estate credit, then you can choose to get it either from Bucharest (15 Marsal Averescu headquarters, sector 1) or from Pitesti (IC Bratianu Street, Bl. B1, Mezanine). You can access such a loan online or by phone
Also, if you are a fast-paced interaction, you can try to get in touch with HY Credit Romania representatives through Facebook social networks, Linkedin, or Twitter (inoperable at the time of this review). Regarding the general aspect of how this company interacts with its customers (over 3,000 people) about HY Credit, the opinion is overwhelmingly favorable, especially due to the small commissions that this firm practices. The company’s website is mobile-optimized, which allows you to complete the form on any mobile device that has an Internet connection.
What kind of loans can I access from HY Credit?
More than 3,000 customers expressed their opinions about HY Credit, the result being a predominantly positive one. This also has contributed to the way the company understands interacting with its customers (speed in approval mode, prompt response to any request, flexible commissions, costs included in the actual annual interest rate). Because all the loans available at HY Credit are addressed to clients who own real estate (houses or apartments), the type of loans that can be contracted is limited to the following credits:
- With a real estate guarantee, type of loan for personal needs;
- Credit to SMEs (Small and Medium Enterprises).
It is very important to note that in the case of loans to individuals (such as personal loans), HY Credit does not impose an age limit, which makes this loan available to a wide range of Romanians who meet all the other conditions (which are listed below).
What are the conditions for granting a credit and how to repay a loan from this company ifn?
Loans from the credit portfolio of HY Credit are addressed to people who own a property and can guarantee with it to obtain the loan, in which case, besides the copy of the identity card / bulletin, account statement, marriage certificate, death certificate or divorce (as the case may be) it is necessary to provide proof of ownership (property act, fiscal certificate, cadastre and registration of property on behalf of the applicant). Apart from the property condition, the applicant must make monthly earnings in a stable form that falls within the range of earnings requirements accepted by HY Credit. Regarding the financial conditions, these are:
- The amount to be paid is between 10,000 and 250,000 Ron;
- The repayment period is between 12 and 60 months;
- The annual interest rate is 26.52%;
- The DAE value is 30%.
The way the loan procedure takes place involves a pre-approval period (which may take up to 2 hours), credit granting, discussing the conditions, drawing up an assessment report by a certified expert on the property that will be used as a real estate collateral to the applicant, the signing of the documents and the establishment of a privilege of rank I in favor of HY Credit for the good guarantor (mortgage), the transfer of the money to the applicant. In addition, the company requires the signing of insurance policies (optional and obligatory) in favor of HY Credit, the cost of which will be included in the value of the DAE.
The company offers the opportunity to pay in any of these ways, which makes the payment method interaction very affordable and advantageous for the client.
What do I need to know about HY Credit loans?
The annual interest rate of 26.52% is of a fixed type, which means that it does not change / change over the period of the contract. It is also accepted to return money in advance and one of the issues that makes a loan from HY Credit so friendly is the fact that even the persons listed in the Credit Bureau or small companies can apply for and borrow money medium-sized businesses that have another ongoing credit. HY Credit is one of the companies that have 100% Romanian capital and can be said to be customer-oriented, giving it an affordable loan.