BCR loans 2026
An editorial BCR product file based on official pages. Current examples, ended validity periods and figures being rechecked are separated explicitly.
About BCR
Banca Comercială Română (BCR) is authorised in Romania and entered in the Credit Institution Register. BCR is part of Erste Group Bank AG, an international financial institution.
This page covers five categories, from personal loans to mortgages. Compare each product separately because George conditions and linked products can change the final cost.
What is currently comparable for BCR
The Kreditano catalogue contains 4 active BCR product identifiers: Personal loan, Refinancing, Mortgage, Credit card. In the reopened sources, 3 examples were reconfirmed, 0 had ended validity periods and 1 figures remain unchecked.
Official examples and verification status
Editorial check: 10 August 2026.
We reopened the BCR sources on 10 August 2026. APR is shown only where the official page still provides an identifiable representative example; a missing percentage means the previous figure was not reconfirmed.
A representative example is not a personalised offer.
The card example identifies the product in the linked document. We do not extend its figures to every BCR card; the variant-level catalogue remains under review.
BCR application channels
BCR points applicants to its official page, the George app or a branch, depending on the product. A simulation or preliminary reply is not an approval. Before signing, compare APR, total payable and the costs in the SECCI or ESIS issued for your file.
Documents vary by BCR product
Identity documentation is the common starting point. Income may be checked through ANAF where the income category allows it, and the bank may request supporting papers. Mortgages add property documents, valuation and required insurance; BCR provides the final list for each applicant.
Sources used for BCR
The data on this page is based on the following sources:
• Erste Group Bank AG: 2024 annual report
• National Bank of Romania (BNR): register, regulations
• National Authority for Consumer Protection (ANPC): credit consumer rights
Questions about BCR products
Which BCR costs were reconfirmed?
The cards above separate reconfirmed official examples from products for which we do not yet publish a new percentage. Sources were checked on 10 August 2026.
Can I repay a BCR loan early?
Yes, per GEO 50/2010 art. 67. The fee is legally capped at a maximum of 1% of the early-repaid amount if more than 12 months remain, 0.5% if the remaining period is 12 months or less, 0% for loans with variable rate indexed to IRCC. For the calculation, see the early repayment calculator.
Mortgage: what to compare in this bank’s offer
BCR Casa Mea includes an initial 3-year fixed period followed by IRCC plus a margin. Advertised interest depends on income and customer-benefit conditions; also check what changes when those conditions are no longer met.
Request offers for the same amount and term, then record initial interest, the later formula, APR, insurance and total repayment. Public examples with different amounts or terms do not produce a fair ranking.