Support in financing a clear future.
What advantages do you have with Skia as your financing partner?
Less energy invested
We take over the task of identifying the credit offer and propose a solution suitable for your needs.
More freedom of choice.
You receive a wide range of credit offers, both bank and non-bank (NFI).
A simple financing process.
We assist you every step of the way with expertise and support for an easy experience.
A clear perspective on lending.
You are always aware of the status of the process through updates and clear explanations.
Choose a solution based on your development potential
Regardless of whether you are looking for a mortgage loan, for personal needs or for working capital, Skia Financial offers you the support you need to make informed and clear choices.
Explore all types of loans to discover the ideal solution to fulfill your potential.
Loans for individuals
Mortgage / real estate loans
A mortgage / real estate loan gives you the advantage of a long repayment period, allowing you to use the available money for other investments you have planned.
These loans are ideal for real estate purchases, renovations or extensions, and can be accessed in RON or EURO, depending on the currency in which your income is received. The interest can be fixed or variable, and the minimum advance required is 15% in RON and 25% in EURO.
- Destination: real estate purchase, renovations, extensions
- Currency: RON, EURO
- Interest: fixed or variable
- Minimum advance: 15% (RON), 25% (EURO)
Income accepted
- salaries,
- dividends,
- independent activities (PFA, II, SRPR),
- rents,
- management and administration contracts,
- royalties, allowances for raising children.
Loans for personal needs
A loan for personal needs helps you achieve any proposed goal, benefiting from repayment in installments up to 60 months, without requiring real guarantees.
Available amounts can reach up to 150,000 RON, giving you flexibility in using the funds.
- Amounts: up to 150,000 RON
- Repayment: in installments up to 60 months
- Warranties: No real guarantees
Income accepted
- salaries,
- dividends,
- independent activities (PFA, II, SRPR),
- rents,
- management and administration contracts,
- royalties, allowances for raising children.
The first step in an extraordinary journey of reinvention.
Discover the available properties and explore opportunities to invest wisely with Skia.
Loans for legal entities
Investment loans / Refinancing
Investment loans can help you purchase or develop real estate investments, benefiting from payment in installments up to 120 months and without immobilizing the company's financial resources, which you can use for other purposes.
The minimum advance required is 20%, and loans can be accessed in both EURO and RON.
- Minimum down payment: 20%;
- Currency: EURO, RON;
- Destination: real estate investments, refinancing loans / associates, refinancing from other banks.
Loans for working capital
Loans for working capital give you the opportunity to maintain a predictable cash flow throughout the duration of the activity.
Refinancing loans and balance sheet restructuring
These loans allow you to adapt your rates to your current repayment capacity and future plans, offering financial flexibility and long-term stability.
Loan calculator
Use the loan calculator to identify the most advantageous solution for your budget and reach your full potential.
Send us the completed information so that a financial consultant with over 15 years of experience can guide you further towards the optimal financing solution.
