Best Mortgage Lawyers in Romania

Share your needs with us, get contacted by law firms.

Free. Takes 2 min.

Or refine your search by selecting a city:

SCA Chiriă şi asociaţii

SCA Chiriă şi asociaţii

Cluj-Napoca, Romania

Founded in 2011
23 people in their team
English
French
Spanish
German
Romanian
Hungarian
Italian
Societatea de avocatură Chiriță și Asociații, înființată în 2011, a cunoscut o ascensiune constantă. În prezent, este condusă de 8 parteneri, ce coordonează o echipă redutabilă formată din peste 15 avocați colaboratori și personal administrativ. Pregătirea profesională şi...
View profile
Cabinet Avocat Tiberiu Emil Radu

Cabinet Avocat Tiberiu Emil Radu

Constanța, Romania

Founded in 2000
50 people in their team
English
MISSIONOur law office in Constanta wants an active member of the community in which we live, carry out our activities, realize our dreams or on the contrary, learn what failure means. That's why every person who steps through the threshold of our office and agrees to hire our services, will receive...
Panaitescu & Bogdan Lawyers

Panaitescu & Bogdan Lawyers

Brasov, Romania

Founded in 2000
50 people in their team
Romanian
English
About usOur law office has concentrated, since the day it was established, through its specialized attorneys, on finding appropriate solutions for its clients, starting with establishing companies, their day to day businesses and administration, access to capital markets and up to competition...
Prunaru & Associates

Prunaru & Associates

Brasov, Romania

Founded in 2006
10 people in their team
Romanian
English
About usWe are an experienced law firm with a team offering a wide range of legal services. Renowned for our professionalism and ability to identify innovative solutions to the most complex legal issues and having a solid reputation, we remain committed to excellence.We understand youThe team of...
AZ Law

AZ Law

Sibiu, Romania

Founded in 2000
10 people in their team
Romanian
English
Who we areAZ Law brings together within the team of lawyers, permanently updated professional experience, knowledge and skills and innovative spirit and of permanent self-improvement in terms of legal consultancy, assistance and representation adapted to the present and prepared to meet the...
Pavel, Margarit & Associates Romanian Law Firm

Pavel, Margarit & Associates Romanian Law Firm

Bucharest, Romania

Founded in 2006
50 people in their team
Romanian
English
Who we areWe are specialized business lawyers committed to deliver excellenceWe are young and ambitious professionals eager to make a differenceWhat we doWe serve our clients’ business interests worldwideWe engage in challenging legal issues in diversified industriesWe provide high-end legal...
Adrian Tapu - Law Office Bucharest

Adrian Tapu - Law Office Bucharest

Bucharest, Romania

Founded in 2011
10 people in their team
Romanian
English
Our VisionWE BELIEVE THAT WHAT MATTERS THE MOST IN OUR LINE OF WORK IS ALWAYS HAVING OUR CLIENTS’ BEST INTEREST IN MINDThat is why we always consider all the possible options for every given case and do our best to help our clients make the best decision when deciding what path to follow. We...
Societatea Civilă de Avocați Budușan și Asociații - Cluj-Napoca

Societatea Civilă de Avocați Budușan și Asociații - Cluj-Napoca

Cluj-Napoca, Romania

Founded in 2002
50 people in their team
About usLocated in Cluj-Napoca, the Civil Society of Budușan Lawyers and Associates exists from the desire to offer its clients the experience of a team determined to offer clear and intelligent solutions to the legal situations they encounter in their work.Budușan și Asociații always chooses...
Vlahu & Asociatii - S.C.A.

Vlahu & Asociatii - S.C.A.

Constanța, Romania

Founded in 2016
4 people in their team
English
Romanian
Out team can manage your judicial affairs in Romania, especially in Constanta, Tulcea, Braila, Galati, providing legal advices and representation in court, or negotiations in your behalf/settlements in areas such as maritime law, civil law, commercial law, criminal law. Our team carries out...
Avocat Horațiu Brisc

Avocat Horațiu Brisc

Cluj-Napoca, Romania

Founded in 2017
10 people in their team
Romanian
English
Horațiu Brisc is the founding lawyer of the BRISC LEGAL team and is part of the Cluj Bar. Horațiu is a pragmatic and innovative litigation lawyer and meticulous consultant with experience in complex real estate, corporate and insolvency law projects. Complementary to the academic foundation...
AS SEEN ON

About Mortgage Law in Romania

Mortgage law in Romania is governed by the Civil Code and specific legislation such as Law no. 190/1999 on mortgage contracts and the Land Book Law. A mortgage is a legal agreement where a borrower gives a lender an interest in real property as security for a loan. In Romania, mortgages are commonly used to secure loans for buying homes or other real estate properties.

Why You May Need a Lawyer

It is essential to seek legal advice from a lawyer specializing in mortgage law in Romania if you are facing issues such as foreclosure, loan modifications, contract disputes, or any other legal matters related to mortgages. A lawyer can provide guidance, review documents, negotiate on your behalf, and represent you in court if necessary.

Local Laws Overview

Some key aspects of Romanian mortgage law include the requirement for mortgages to be registered in the Land Registry Office, the concept of priority of mortgages based on registration dates, and the rights and obligations of borrowers and lenders in mortgage contracts. It is important to understand these laws to protect your rights and interests in mortgage transactions.

Frequently Asked Questions

1. What are the requirements for obtaining a mortgage in Romania?

In Romania, to obtain a mortgage, you need to have a stable income, a good credit score, a down payment, and meet other eligibility criteria set by banks or financial institutions. A property valuation and a mortgage insurance may also be required.

2. Can I prepay my mortgage in Romania?

Yes, borrowers in Romania can usually prepay their mortgages partially or in full without penalties, unless otherwise specified in the mortgage contract. It is advisable to check the terms and conditions of your mortgage agreement.

3. What happens if I default on my mortgage payments in Romania?

If you fail to make timely payments on your mortgage, the lender may start foreclosure proceedings to recover the loan amount. It is crucial to seek legal advice and explore options such as loan modification or repayment plans to avoid foreclosure.

4. How long does the mortgage registration process take in Romania?

The mortgage registration process in Romania typically takes a few weeks to a few months, depending on various factors such as the workload of the Land Registry Office, the completeness of the documentation, and any potential legal issues that may arise.

5. Can I transfer my mortgage to another person in Romania?

Yes, in Romania, you can transfer your mortgage to another person through a process called mortgage assumption. This process requires the consent of the lender and may involve a transfer fee and creditworthiness assessment of the new borrower.

6. Are there any government programs or incentives for mortgage borrowers in Romania?

Currently, there are no specific government programs or incentives for mortgage borrowers in Romania. However, it is advisable to check for any updates or changes in government policies that may affect mortgage borrowers.

7. How can I challenge the validity of a mortgage contract in Romania?

If you believe that a mortgage contract is invalid due to fraud, misrepresentation, or other reasons, you can seek legal assistance to challenge the validity of the contract in court. A lawyer can help you gather evidence and prepare your case.

8. What are the rights of borrowers in mortgage contracts in Romania?

Borrowers in Romania have rights such as the right to obtain detailed information about the loan terms, the right to dispute unfair practices by lenders, the right to request modifications to the loan terms, and the right to protection against foreclosure abuses.

9. Can a mortgage lender sell my property without my consent in Romania?

In Romania, a mortgage lender can initiate foreclosure proceedings and sell the property in case of default on mortgage payments. However, certain legal procedures must be followed, and the borrower has rights to challenge the foreclosure process and protect their interests.

10. How can I negotiate better mortgage terms in Romania?

To negotiate better mortgage terms in Romania, you can shop around for competitive offers from different lenders, improve your credit score, increase your down payment, and seek guidance from a mortgage broker or a lawyer specializing in mortgage law.

Additional Resources

For additional information and resources related to mortgage law in Romania, you can consult the National Association of Romanian Mortgage Banks (ASBROM) or the Financial Supervisory Authority (ASF) for regulatory guidance and consumer information.

Next Steps

If you need legal assistance in mortgage matters in Romania, it is advisable to schedule a consultation with a reputable lawyer specializing in mortgage law. The lawyer can assess your situation, provide legal advice, and represent you in negotiations or legal proceedings to protect your rights and interests.

Lawzana helps you find the best lawyers and law firms in Romania through a curated and pre-screened list of qualified legal professionals. Our platform offers rankings and detailed profiles of attorneys and law firms, allowing you to compare based on practice areas, including Mortgage, experience, and client feedback. Each profile includes a description of the firm's areas of practice, client reviews, team members and partners, year of establishment, spoken languages, office locations, contact information, social media presence, and any published articles or resources. Most firms on our platform speak English and are experienced in both local and international legal matters. Get a quote from top-rated law firms in Romania—quickly, securely, and without unnecessary hassle.

Disclaimer:
The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation. We disclaim all liability for actions taken or not taken based on the content of this page. If you believe any information is incorrect or outdated, please contact us, and we will review and update it where appropriate.