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If you want to purchase a mortgage-financed dwelling built under the Mortgage-Financed Housing Units Programme, you have to follow the steps mentioned below:

1. Standard application form. The National Housing Agency makes the standard application forms for dwellings built under NHA supervision available by post offices throughout the country.

By filling in the application form  the applicant provides their identification data:

- name and surname

- age

- marital status

- address, locality (city/town/commune/village) of residence as well as information on the required characteristics of the dwelling (building type - house or apartment, number of rooms, locality).

The standard forms filled in by the applicants are submitted to the NHA by registered mail. The NHA registers all the applications in their order of arrival.

The applicants may also register online, filling in this FORM.

After their registration in the NHA database, the applicants shall periodically keep themselves informed about the newly-launched housing projects by requesting data from the NHA headquarters (Public Relations Department – telephone: 021/320.61.22) or by accessing the NHA website. All those interested in a certain project may come to make an application at the venue and within the period of time specified by the NHA.

2. Solvency file. When plans and designs for a location are ready, the National Housing Agency informs the applicants about it and invites them to choose their dwelling taking into account the available documentation which represents the NHA offer. The applicants who accept the offer receive a NHA letter addressed to one of the financing banks with a view to constituting the solvency file.

3.  Notarized statement. When the applicants receive the NHA letter for the solvency file - letter they submit to the bank - they also receive a statement which, if the number of applications for a certain location is higher than the number of available dwellings, shall be legalised by a notary public. The statement contains the applicant's personal data according to which they receive a score (number of points) necessary for the allocation of the dwellings. The statement form may be downloaded here.

4. Solvency certificate. After all the documents which make up the solvency file are collected and analysed, the bank sends the applicant's solvency certificate to the NHA. The applicant submits the filled-in legalized statement to the Agency.

5. Lists of priorities. Lists of priorities are drawn up in the descending order of the scores obtained by each applicant for all the applicants who have the solvency certificates and who have sent the legalized statement to the NHA. The applicants are invited to contract dwellings in the descending order of the scores they obtained.

6. Agency agreement. The first agreement signed between the beneficiary and the National Housing Agency is the agency agreement. In addition to the agency agreement, the applicant is given a written NHA communication to the bank in order to receive the bank's firm lending commitment (formal offer to lend).

7. The firm lending commitment. The firm lending commitment shall be submitted to the National Housing Agency so that the signing of the building contract by the applicant may be scheduled. Upon receipt of the firm lending commitment, the beneficiary of the dwelling must prove that he/she has the necessary amount of money for the down payment.

8. Building contract. The building contract is concluded between the beneficiary of the dwelling and the main building contractor and it is registered in the Land Book. Then, the beneficiary goes to the bank to sign the mortgage loan agreement and the mortgage agreement.

9. Mortgage loan agreement. The mortgage loan agreement is concluded between the beneficiary of the dwelling and the financing bank (lender). When the mortgage loan agreement is concluded, the mortgage agreement whereby the beneficiary (borrower) mortgages his property (the dwelling to be built) to the lender until the full amortization of the loan is also signed. The borrower also has to buy a property insurance policy for the dwelling at the time.

10. Commencement of works. After the completion of these steps, the NHA orders the commencement of the building works. The building contract specifies a 24-month period as time for completion, starting from the date on which the commencement order has been issued.

IMPORTANT:The person applying for a mortgage loan must be an employee having an indeterminate contract of employment (indefinite term/permanent contract of employment), and the income realised by the applicant/applicant’s family must guarantee the repayment of the mortgage loan. In order to calculate the budget for the solvency file, the applicant’s income, the applicant’s spouse’s income (if applicable) or the income realised by other family members who may participate in the loan repayment are taken into consideration. The family members can only be first degree relatives.


Partner Banks - Banks financing dwellings built through the NHA

The dwellings shall be assigned as follows:

If the number of applications for a certain location is lower than the number of the available mortgage-financed dwellings, the NHA shall assign the housing units taking into account the order in which the solvency certificates have been submitted by the applicants until all the dwellings to be built under that project are contracted.

If the number of applications for a certain location is higher than the number of the available mortgage-financed dwellings, the following scoring criteria shall apply:



I. Age


a) Applicant under the age of 35


b) Applicant aged between 35 and 45


c) Applicant over the age of 45


II. Housing Conditions


a) The applicant lives in a nationalized building subject to restitution to its former owners under Law no. 10/2001 and he/she does not own another dwelling.


b) Tenant in a privately-owned housing unit


c) The applicant does not own a dwelling.


d) The applicant has not benefited from a mortgage-financed dwelling built through the NHA.


III. Marital Status


a) Married


b) Single-parent family


c) Single


IV. Number of Dependants


a) Children:

– 1 child

– 2 children

– 3 children

– more than three children






b) other dependants, regardless of their number


V. Other Housing Conditions


a)        If the applicant owned a mortgage-financed housing unit built through the NHA.  


b) If the applicant has been granted an NHA mortgage loan before and has made late payments to the agency or another financial banking institution.


VI. Special Housing or Social Conditions


a) down payment:

– minimum 15%

– between 15% and 25%

– between 25% and 50%

– over 50%






b) period of time which has passed since the registration of the application in the NHA database:

– less than 1 year

– more than 1 year




c) applicant with disability