Loans for real estate investments
Personal Needs Loans - Vista 4U
Vista Auto
Eligibility conditions
Description
Terms and conditions
Eligibility conditions
Description
Terms and conditions
Vista Home
Vista Home ANL
Vista First Home
Eligibility conditions
Description
Terms and conditions
Eligibility conditions
Description
Terms and conditions
Eligibility conditions
Description
Terms and conditions
Eligibility conditions
Description
Terms and conditions
Eligibility conditions
Description
Terms and conditions

Borrowers can be:

Resident and non-resident individuals (according to NBR Regulation no. 4/2005 on the foreign exchange regime, republished with subsequent completions and amendments).

The individuals category may include:

  • employees of private or public companies
  • freelancers
  • businessmen (associates, shareholders)
  • individuals who obtain income from self-employment
  • pensioners

Age:

  • minimum 21 years (at the date of application for loan)
  • for income from salaries or assimilated; maximum retirement age for women / men, at the end of the credit period;
  • for other income (including pensions): maximum 70 years, at the end of the credit period.

Supported income sources:

  • Wages
  • Pensions
  • Income from free practice
  • Income from self-employment
  • Income from copyright
  • Rents
  • Dividends
  • Sales/insurance/intermediation commissions
  • Survivor' pensions
  • Annuities
  • Mandate agreements
  • Management agreements
  • Administration agreements
  • Representation agreements
  • Seafarers’ Income

If you are interested in the Vista 4U, please fill in the form below and we will contact you as soon as possible:

"VISTA 4U" is a mortgage-backed loan addressed to individuals to cover personal expenses without justifying the use of the amounts granted and for refinancing consumer loan from other financial institutions. Whatever you may want. Now!

Did you know that your property can give you access to money? Have you dreamed of a perfect vacation? Or to have enough money for an investment? Or a car? Anything you can buy with money can be yours. Now your home can offer you much more.

With a loan amount that can reach up to 85% of the valuation amount of the mortgaged security for loans in Lei and up to 75% of the valuation amount of the mortgaged security for loans in Euro, a wide range of revenue acceptance, the Vista 4U loan is certainly, the best choice.

Before making a loan, please pay attention to the following:

Choosing the loan Currency: If you earn income in Lei and want to borrow a foreign currency loan, you should keep in mind that the local currency (Leu) may depreciate, so you might pay more lei when you buy the euro for payment monthly rate.

We recommend that you take the loan in the currency in which you earn your income.

The type of interest, fixed or variable: for example, if you choose a fixed interest rate for a period, this means that the monthly installment (composed of principal and interest) will remain the same throughout that period; a fixed monthly rate might be a good tool for planning your monthly spending and personal budgeting.

If you opt for a variable interest rate, you must know that it is calculated and updated periodically according to a benchmark index (IRCC/Euribor), plus the Bank fixed margin. Over time, this index may decrease or increase, thus affecting the monthly payment rate. For example, if the reference index decreases, the monthly payment amount is adjusted accordingly and you will pay less. On the other hand, the reference index may increase, in which case the interest rate on loan will increase and the monthly payment obligation will also increase and it may be difficult to reimburse the monthly rate.

APRC (effective annual interest): APRC is a good tool that helps you compare creditors' offers and choose the most advantageous for you in terms of all loan costs (interest, loan card analysis fee, annual management fee, and other costs, as the case may be).

Fees and commissions: these are known from the outset, are included in the loan agreement and cannot be amended by the Bank for the entire duration of the loan; You also have the certainty that during the loan there will be no additional costs than those already mentioned in the contract.

Total Payable Value: is the sum between the amount of the loan and the total cost of the loan, including all the monthly amounts that you will pay at the end of the lending period.

Monthly Reimbursement: This is composed of principal and interest, and you can choose between repayment in equal monthly installments (annuities - in the first years you will pay more interest and less capital monthly) or monthly decreasing installments (in the first years you will pay a higher monthly amount, or repay more capital than interest).

Possible fluctuations in the benchmark index and the exchange rate could affect the amount to be paid by You.

Fluctuation of your earnings may result in the possibility of paying your loan installments. Please be sure to make your monthly payments on time at the reimbursement date, as otherwise you will pay penalty interest. Deferred payment installments will be reported to the Loan Risk Center (for loans over 20,000 Lei), and if you are delayed for more than 30 days, your loan situation will also be transmitted to the databases of Credit Bureau and this information may make it more difficult for you to obtain loans in the future.

Loan amount:

  • Minimum 22.000 Lei or 5.000 Euro
  • Maximum 1.000.000 Lei or 200.000 Euro
  • The financed amount may reach up to 85% of the warranty amount for the loans in Lei and up to 75% for the loans in Euro

Currency: Lei/ Euro.

Loan duration: maximum 60 months (5 years)

Methods to repay the loan:

  • Up to 60 monthly equal installments (annuities) composed of principal and interest
  • Up to 60 descending monthly installments composed of principal and interest

Early prepayment fee: 0% fee, regardless of the type of interest, fixed or variable

Types of installments of the interest available:

Loans in Lei: you can choose between a variable interest for the entire duration of the loan or a fixed interest rate of one year and then variable.

Loans in Lei: Interest rate
Variable throughout the loan duration, according to the formula: IRCC + Fixed Margin* 5.0 p.p FIXED 1 year 6,50% per year, then Variable throughout the loan duration, according to the formula: IRCC + Fixed Margin* 5.0 p.p
The IRCC Reference Index is reviewed quarterly on the first business day of each quarter in January, April, July, October of each year.
*Clients who transfer their salary monthly to the Bank benefit from a decrease in the fixed margin by 0.50 percentage points

Loans in foreign currency (euro): variable interest throughout the loan duration

Loans in Euro: Interest rate

Variable for the entire duration of the loan, according to the formula: EURIBOR 6 Months + Fixed Margin* 7.1 p.p

The Reference index EURIBOR 6 months is reviewed semesterly on the first business day of each semester in January and July of each year.

*Clients who transfer their salary monthly to the Bank benefit from a decrease in the fixed margin by 0.30 percentage points

 

Warranties:

  • Mortgage on a real estate
  • Mortgage on the current accounts of the Borrowed / Guarantee opened with Vista Bank (Romania) S.A.
  • Mortgage on the insurance policy / contract for fire insurance and other disasters of the mortgaged real estate (mandatory, except for lands)
  • You can conclude a non-payment financial risk insurance contract.

Fees:

  • File Analysis Fee: 500 LEI for loans in lei or 150 Euro for loans in euro, fixed amount, is paid once, when signing the loan agreement, from own sources;
  • Annual management fee: 0.1% per year applicable to the loan balance, is not included in installments; the fee is due annually to the lender for the loan management;
  • Unique Fee of EUR 25 (twenty-five) Euros in LEI equivalent for services expressly requested by the client for the loan duration and for which the Bank's consent is required, namely the issuance of: a lease/bailment agreement, a consolidation agreement, a dismantling agreement, demolition agreement, building agreement, agreement to change the territorial unit of the Bank.

The Bank reserves the right to change this offer at any time, and the new terms will be communicated to its Clients by displaying it at the Bank's headquarters, except for offers sent to clients in accordance with the applicable legal requirements.

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you. Fluctuation of your earnings may result into affecting the possibility to pay your loan installments.

Possible additional costs:

Please note that in order to contract a consumer loan guaranteed with mortgage there may be additional costs that are not included in the total cost of the loan; if part of these costs are prior to the conclusion of the agreement, they must be paid regardless of whether or not the loan agreement is concluded.

These additional costs may be, for example:

  • Property valuation fee (obtaining the loan is conditional to the submission of a valuation report on the real estate, prepared by an authorized valuator); the cost of the valuation could start from EUR 80 plus VAT, payable in Lei equivalent to the authorized valuator;
  • Costs with the real estate insurance policy (obtaining the loan according to the terms and conditions agreed is conditional on the conclusion of a policy of insurance against fire and other disasters for the immovable property brought as warranty except for lands and the assignment of the rights of compensation in favor of the Bank);
  • Notary and warranty publicity fees;
  • Other costs due to third parties.

Representative_example_Vista_4U

The borrowed persons can be:

Resident and non-resident individuals (according to the NBR Regulation No. 4/2005 regarding the foreign exchange regime, republished as amended and completed).

The individuals category may include:

  • Employees of private or public companies
  • freelancers
  • business people (associates, shareholders)
  • Individuals who earn income from self-employment
  • pensioners

Age:

  • at least 21 years (at the time of submitting the loan application)
  • for income from salaries or assimilated; maximum retirement age for women / men, at the end of the credit period;
  • for other income (including pensions): maximum 70 years, at the end of the credit period.

Income sources accepted:

  • Salaries
  • Pensions
  • Incomes from free practice
  • Income from self-employment
  • Incomes from copyright
  • Rents
  • Dividends
  • Sales / insurance / brokerage fees
  • Survivors' benefits
  • Life annuities
  • Mandate contracts
  • Management contracts
  • Administration contracts
  • Representation contracts
  • Seafarer incomes

If you are interested in the Vista 4U, please fill in the form below and we will contact you as soon as possible:

"VISTA 4U" is a housing loan loan addressed to individuals to cover personal expenses without justifying the use of the amounts granted and refinancing consumer loan from other financial institutions.

Too many loan cards or consumer loans? Collect all your installments into one.

Your personal loan "Vista 4U" can ease you from the burden of those huge interests on unsecured loans. It has an attractive interest rate, in other words: a lower monthly installment.

With a loan amount that can reach up to 85% of the assessed value of the warranty for loans in Lei and up to 75% of the assessed value of the warranty for loans in Euro, a wide range of incomes accepted, the Vista 4U loan is certainly, the best choice.

Before contracting a loan, please pay attention to the following:

Choosing your loan currency: If you earn incomes in Lei and you want to contract a foreign currency loan, you should keep in mind that the local currency (Leu) may depreciate, so you might pay more lei when you buy euro in order to pay the monthly installment.

We recommend that you take the loan in the currency in which you earn your income.

The type of interest, fixed or variable: for example, if you choose a fixed interest rate for a period, this means that the monthly installment (composed of principal and interest) will remain the same throughout that period; a fixed monthly installment might be a good tool for planning your monthly spending and personal budgeting.

If you choose for a variable interest installment, you should know that it is calculated and updated periodically according to a benchmark (IRCC / Euribor), plus the Bank's fixed margin. Over time, this index may decrease or increase, thus affecting the monthly payment rate. For example, if the reference index decreases, the monthly payment amount is adjusted accordingly and you will pay less. On the other hand, the benchmark may increase, in which case the interest rate on the loan will increase and the monthly payment obligation will also increase and thus it may become difficult to reimburse the monthly rate.

APRC (effective annual interest rate): APRC is a good tool to help you compare creditors' offers and to choose the most advantageous for you in terms of all loan costs (interest, loan file analysis fee, annual loan management fee and other costs, as appropriate).

Fees and commissions: these are known from the beginning, are included in the loan agreement and cannot be modified by the Bank for the entire duration of the loan; You also have the certainty that during the loan duration there will be no additional costs other than those already mentioned in the contract.

Total Payable Value: is the sum between the amount of the loan and the total cost of the loan, including all the monthly amounts that you will pay at the end of the lending period.

Monthly amount to be repaid: This is composed of principal and interest, and you can choose between repayment in equal monthly installments (annuities - during the first years you will pay more interest and less capital monthly) or monthly decreasing installments (in the first years you will pay a higher monthly amount, or repay more capital than interest).

Possible fluctuations in the benchmark index and the exchange rate could affect the amount to be paid by you.

Fluctuation of your earnings may result in the possibility to affect the payment possibility of the loan installments. Please be careful to perform your monthly payments on time on the repayment date, otherwise you will pay penalty interest. Delays in paying the installments will be reported to the Loan Risk Center (for loans over 20,000 Lei), and if you are in delay for more than 30 days, your loan situation will also be transmitted to Credit Bureau and this information may make it more difficult for you to get loans in the future.

Loan amount:

  • Minimum 22,000 Lei or 5,000 Euro
  • Maximum 1,000,000 Lei or 200,000 Euro
  • The amount financed may be up to 85% of the guarantee amount for loans in Lei and up to 80% for loans in Euro

Currency: Lei/ Euro.

Loan duration: maximum 60 months (5 years)

Methods to repay the loan:

  • Up to 60 monthly equal installments (annuities) composed of principal and interest
  • Up to 60 descending monthly installments composed of principal and interest

Early prepayment fee: 0% fee, regardless of the type of interest, fixed or variable

Types of installments of the interest available:

Loans in Lei: you can choose between a variable interest for the entire duration of the loan or a fixed interest rate of one year and then variable.

Loans in Lei: Interest rate
Variable throughout the loan duration, according to the formula: IRCC + Fixed Margin* 5,0 p.p FIXED 1 year 6,50% per year, then Variable throughout the loan duration, according to the formula: IRCC + Fixed Margin* 5,0 p.p
The IRCC Reference Index is reviewed quarterly on the first business day of each quarter in January, April, July, October of each year.
*Clients who transfer their salary monthly to the Bank benefit from a decrease in the fixed margin by 0.50 percentage points

Loans in foreign currency (euro): variable interest throughout the loan duration

Loans in Euro: Interest rate

Variable for the entire duration of the loan, according to the formula: EURIBOR 6 Months + Fixed Margin* 7.1pp

The Reference index EURIBOR 6 months is reviewed semesterly on the first business day of each semester in January and July of each year.

* Clients who transfer their salary monthly to the Bank benefit from a decrease in the fixed margin by 0.30 percentage points

 

Warranties:

  • Mortgage on a real estate
  • Mortgage on the current accounts of the Borrowed / Guarantee opened with Vista Bank (Romania) S.A.
  • Mortgage on the insurance policy / contract for fire insurance and other disasters of the mortgaged real estate (mandatory, except for lands)
  • You can conclude a non-payment financial risk insurance contract.

Fees:

  • File Analysis Fee: 500 LEI for loans in lei or 150 Euro for loans in euro, fixed amount, is paid once, when signing the loan agreement, from own sources;
  • Annual management fee: 0.1% per year applicable to the loan balance, is not included in installments; the fee is due annually to the lender for the loan management;
  • Unique Fee of EUR 25 (twenty-five) Euros in LEI equivalent for services expressly requested by the client for the loan duration and for which the Bank's consent is required, namely the issuance of: a lease/bailment agreement, a consolidation agreement, a dismantling agreement, demolition agreement, building agreement, agreement to change the territorial unit of the Bank.

The Bank reserves the right to change this offer at any time, and the new terms will be communicated to its Clients by displaying it at the Bank's headquarters, except for offers sent to clients in accordance with the applicable legal requirements.

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you. Fluctuation of your earnings may result into affecting the possibility to pay your loan installments.

Possible additional costs:

Please note that in order to contract a consumer loan guaranteed with mortgage there may be additional costs that are not included in the total cost of the loan; if part of these costs are prior to the conclusion of the agreement, they must be paid regardless of whether or not the loan agreement is concluded.

These additional costs may be, for example:

  • Property valuation fee (obtaining the loan is conditional to the submission of a valuation report on the real estate, prepared by an authorized valuator); the cost of the valuation could start from EUR 80 plus VAT, payable in Lei equivalent to the authorized valuator;
  • Costs with the real estate insurance policy (obtaining the loan according to the terms and conditions agreed is conditional on the conclusion of a policy of insurance against fire and other disasters for the immovable property brought as warranty except for lands and the assignment of the rights of compensation in favor of the Bank);
  • Notary and warranty publicity fees;
  • Other costs due to third parties.

Representative example Vista 4U Refinancing: Representative_example_Vista_4U_January_2020

The borrowed persons can be:

Resident and non-resident individuals (according to the NBR Regulation No. 4/2005 regarding the foreign exchange regime, republished as amended and completed).

The individuals category may include:

  • Employees of private or public companies
  • freelancers
  • business people (associates, shareholders)
  • Individuals who earn income from self-employment
  • pensioners

Age:

  • at least 21 years (at the time of submitting the loan application)
  • for income from salaries or assimilated; maximum retirement age for women / men, at the end of the credit period;
  • for other income (including pensions): maximum 70 years, at the end of the credit period.

Income sources accepted:

  • Salaries
  • Pensions
  • Incomes from free practice
  • Income from self-employment
  • Incomes from copyright
  • Rents
  • Dividends
  • Sales / insurance / brokerage fees
  • Survivors' benefits
  • Life annuities
  • Mandate contracts
  • Management contracts
  • Administration contracts
  • Representation contracts
  • Seafarer incomes

If you are interested in the Vista Home, please fill in the form below and we will contact you as soon as possible:

Whether you are interested in buying a home or a land, holiday home, into renovating a building or refinancing a loan that has become too expensive, at VISTA BANK we have the right solutions for each and a team ready to assist you for the duration of the entire financing process.

  • You can borrow money to fund your most ambitious real estate projects.
  • Your income is essential for determining the amount of the loan that you can access
  • You have a long repayment period - the loan can be paid for up to 35 years.
  • You can choose between a variable interest rate for the entire duration of the loan and a fixed interest for a period and then variable.

The details of the VISTA BANK real estate loans offer are carefully studied so that you can benefit from the most competitive conditions.

In particular, the loan for real estate investment can be used for:

  • Purchase or maintenance of property rights over a land and / or a building, made or to be accomplished, or
  • Rehabilitation, modernization, consolidation or extension of a building, or
  • Viable land, or
  • Repayment of a loan for real estate investment.

Before contracting a loan, please pay attention to the following:

Choosing your loan currency: If you earn incomes in Lei and you want to contract a foreign currency loan, you should keep in mind that the local currency (Leu) may depreciate, so you might pay more lei when you buy euro in order to pay the monthly installment. We recommend that you take the loan in the currency in which you earn your income.

The type of interest, fixed or variable: for example, if you choose a fixed interest rate for a period, this means that the monthly installment (composed of principal and interest) will remain the same throughout that period; a fixed monthly installment might be a good tool for planning your monthly spending and personal budgeting.

If you choose for a variable interest installment, you should know that it is calculated and updated periodically according to a benchmark (IRCC / Euribor), plus the Bank's fixed margin. Over time, this index may decrease or increase, thus affecting the monthly payment rate. For example, if the reference index decreases, the monthly payment amount is adjusted accordingly and you will pay less. On the other hand, the benchmark may increase, in which case the interest rate on the loan will increase and the monthly payment obligation will also increase and thus it may become difficult to reimburse the monthly rate.

APRC (effective annual interest rate): APRC is a good tool to help you compare creditors' offers and to choose the most advantageous for you in terms of all loan costs (interest, loan file analysis fee, annual loan management fee and other costs, as appropriate).

Fees and commissions: these are known from the beginning, are included in the loan agreement and cannot be modified by the Bank for the entire duration of the loan; You also have the certainty that during the loan duration there will be no additional costs other than those already mentioned in the contract.

Total Payable Value: is the sum between the amount of the loan and the total cost of the loan, including all the monthly amounts that you will pay at the end of the lending period.

Monthly amount to be repaid: This is composed of principal and interest, and you can choose between repayment in equal monthly installments (annuities - during the first years you will pay more interest and less capital monthly) or monthly decreasing installments (in the first years you will pay a higher monthly amount, or repay more capital than interest).

Possible fluctuations in the benchmark index and the exchange rate could affect the amount to be paid by you.

Fluctuation of your earnings may result in the possibility to affect the payment possibility of the loan installments. Please be careful to perform your monthly payments on time on the repayment date, otherwise you will pay penalty interest. Delays in paying the installments will be reported to the Loan Risk Center (for loans over 20,000 Lei), and if you are in delay for more than 30 days, your loan situation will also be transmitted to Credit Bureau and this information may make it more difficult for you to get loans in the future.

Loan amount:

  • Minimum 33.000 Lei or 7.500 Euro
  • The amount financed may be up to 85% of the guarantee amount for loans in Lei and up to 80% for loans in Euro.

Currency: Lei/ Euro.

Loan duration: maximum 420 months (35 years)

Methods to repay the loan:

  • Up to 420 monthly equal installments (annuities) composed of principal and interest
  • Up to 420 descending monthly installments composed of principal and interest

Early prepayment fee: 0% fee, regardless of the type of interest, fixed or variable

Types of installments of the interest available:

Loans in Lei: you can choose between a variable interest for the entire duration of the loan or a fixed interest rate of one year and then variable.

Loans in Lei: Interest rate
Variable throughout the loan duration, according to the formula: IRCC + Fixed Margin* 3,35 p.p FIXED 1 year 5,25% per year, then Variable throughout the loan duration, according to the formula: IRCC + Fixed Margin* 3,35 p.p
The IRCC Reference Index is reviewed quarterly on the first business day of each quarter in January, April, July, October of each year.
* Clients who transfer their salary monthly to the Bank benefit from a decrease in the fixed margin by 0.50 percentage points.

Loans in foreign currency (euro):variable interest throughout the loan duration

Loans in Euro: Interest rate
Variable for the entire duration of the loan, according to the formula: EURIBOR 6 Months + Fixed Margin* 5,5 pp FIXED 2 years 5.8% per year, then Variable throughout the loan duration, according to the formula: EURIBOR 6M + Fixed Margin* 5.2 p.p
The Reference index EURIBOR 6 months is reviewed semesterly on the first business day of each semester in January and July of each year.
* Clients who transfer their salary monthly to the Bank benefit from a decrease in the fixed margin by 0.30 percentage points.

Warranties:

  • Mortgage on a real estate
  • Mortgage on the current accounts of the Borrowed / Guarantee opened with Vista Bank (Romania) S.A.
  • Mortgage on the insurance policy / contract for fire insurance and other disasters of the mortgaged real estate (mandatory, except for lands)

Fees:

  • File Analysis Fee: 500 LEI for loans in lei or 150 Euro for loans in euro, fixed amount, is paid once, when signing the loan agreement, from own sources;
  • Annual management fee: Loans in lei: 200 LEI per year, Loans in Euro: 0.2% p.a. applicable to the loan balance, is not included in installments; the commission is due annually to the lender for the loan management;
  • Unique Fee of EUR 25 (twenty-five) Euros in LEI equivalent for services expressly requested by the client for the loan duration and for which the Bank's consent is required, namely the issuance of: a lease/bailment agreement, a consolidation agreement, a dismantling agreement, demolition agreement, building agreement, agreement to change the territorial unit of the Bank.

In the case of non-resident individuals, the commissions are different. For more information please come to any Vista Bank unit.

The Bank reserves the right to change this offer at any time, and the new terms will be communicated to its Clients by displaying it at the Bank's headquarters, except for offers sent to clients in accordance with the applicable legal requirements.

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you. Fluctuation of your earnings may result into affecting the possibility to pay your loan installments.

Possible additional costs:

Please note that in order to contract a consumer loan guaranteed with mortgage there may be additional costs that are not included in the total cost of the loan; if part of these costs are prior to the conclusion of the agreement, they must be paid regardless of whether or not the loan agreement is concluded.

These additional costs may be, for example:

  • Property valuation fee (obtaining the loan is conditional to the submission of a valuation report on the real estate, prepared by an authorized valuator); the cost of the valuation could start from EUR 80 plus VAT, payable in Lei equivalent to the authorized valuator;
  • Costs with the real estate insurance policy (obtaining the loan according to the terms and conditions agreed is conditional on the conclusion of a policy of insurance against fire and other disasters for the immovable property brought as warranty except for lands and the assignment of the rights of compensation in favor of the Bank);
  • Notary and warranty publicity fees;
  • Other costs due to third parties.

Representative_example_Vista_Home

The borrowed persons can be:

Resident and non-resident individuals (according to the NBR Regulation No. 4/2005 regarding the foreign exchange regime, republished as amended and completed).

The individuals category may include:

  • Employees of private or public companies
  • freelancers
  • business people (associates, shareholders)
  • Individuals who earn income from self-employment
  • pensioners

Age:

  • at least 21 years (at the time of submitting the loan application)
  • for income from salaries or assimilated; maximum retirement age for women / men, at the end of the credit period;
  • for other income (including pensions): maximum 70 years, at the end of the credit period.

Income sources accepted:

  • Salaries
  • Pensions
  • Incomes from free practice
  • Income from self-employment
  • Incomes from copyright
  • Rents
  • Dividends
  • Sales / insurance / brokerage fees
  • Survivors' benefits
  • Life annuities
  • Mandate contracts
  • Management contracts
  • Administration contracts
  • Representation contracts
  • Seafarer incomes

If you are interested in the Vista Home ANL, please fill in the form below and we will contact you as soon as possible:

If you are interested in buying a home built by ANL through the "Housing Development Program for Youth for Rent", you will find the right solution and a team ready to assist you during the entire financing process.

The details of the VISTA BANK real estate investment loan offer are carefully studied so that you can benefit from the most competitive conditions.

  • Your income is critical for determining the amount of the loan that you can access
  • You have a long repayment period - the loan can be paid for up to 35 years.

Before contracting a loan, please pay attention to the following:

  • Choosing your loan currency: If you earn incomes in Lei and you want to contract a foreign currency loan, you should keep in mind that the local currency (Leu) may depreciate, so you might pay more lei when you buy euro in order to pay the monthly installment. We recommend that you take the loan in the currency in which you earn your income.
  • The type of interest, fixed or variable: for example, if you choose a fixed interest rate for a period, this means that the monthly installment (composed of principal and interest) will remain the same throughout that period; a fixed monthly installment might be a good tool for planning your monthly spending and personal budgeting.
  • If you choose for a variable interest installment, you should know that it is calculated and updated periodically according to a benchmark (IRCC / Euribor), plus the Bank's fixed margin. Over time, this index may decrease or increase, thus affecting the monthly payment rate. For example, if the reference index decreases, the monthly payment amount is adjusted accordingly and you will pay less. On the other hand, the benchmark may increase, in which case the interest rate on the loan will increase and the monthly payment obligation will also increase and thus it may become difficult to reimburse the monthly rate.
  • APRC (effective annual interest rate): APRC is a good tool to help you compare creditors' offers and to choose the most advantageous for you in terms of all loan costs (interest, loan file analysis fee, annual loan management fee and other costs, as appropriate).
  • Fees and commissions: these are known from the beginning, are included in the loan agreement and cannot be modified by the Bank for the entire duration of the loan; You also have the certainty that during the loan duration there will be no additional costs other than those already mentioned in the contract.
  • Total Payable Value: is the sum between the amount of the loan and the total cost of the loan, including all the monthly amounts that you will pay at the end of the lending period.
  • Monthly amount to be repaid: This is composed of principal and interest, and you can choose between repayment in equal monthly installments (annuities - during the first years you will pay more interest and less capital monthly) or monthly decreasing installments (in the first years you will pay a higher monthly amount, or repay more capital than interest).

Possible fluctuations in the benchmark index and the exchange rate could affect the amount to be paid by you.

Fluctuation of your earnings may result in the possibility to affect the payment possibility of the loan installments. Please be careful to perform your monthly payments on time on the repayment date, otherwise you will pay penalty interest. Delays in paying the installments will be reported to the Loan Risk Center (for loans over 20,000 Lei), and if you are in delay for more than 30 days, your loan situation will also be transmitted to Credit Bureau and this information may make it more difficult for you to get loans in the future.

Loan amount:

  • Minimum 33,000 Lei
  • Own contribution of at least 15% of the price or of the estimate amount
  • The amount financed may be up to 85% of the guarantee amount

Currency: Lei

Loan duration: maximum 420 months (35 years)

Methods to repay the loan:

  • Up to 420 monthly equal installments (annuities) composed of principal and interest
  • Up to 420 descending monthly installments composed of principal and interest

Types of installments of the interest available:

Loans in Lei – Interest rate

Variable - for the entire duration of the loan, according to the IRCC + Fixed Margin formula 2.8 pp

The IRCC Reference Index is reviewed quarterly on the first working day of each quarter in January, April, July, October of each year

 

Warranties:

  • Mortgage on a real estate
  • Mortgage on the current accounts of the Borrowed / Guarantee opened with Vista Bank (Romania) S.A.
  • Mortgage on the insurance policy / contract for fire insurance and other disasters of the mortgaged real estate (mandatory, except for lands)

Fees:

  • File Analysis Fee: 300 LEI for loans in lei fixed amount, is paid once, when signing the loan agreement, from own sources;
  • Annual management fee: 200 LEI per year, applicable to the loan balance, is not included in installments; the commission is due annually to the lender for the loan management;
  • Unique Fee of EUR 25 (twenty-five) Euros in LEI equivalent for services expressly requested by the client for the loan duration and for which the Bank's consent is required, namely the issuance of: a lease/bailment agreement, a consolidation agreement, a dismantling agreement, demolition agreement, building agreement, agreement to change the territorial unit of the Bank.

The Bank reserves the right to change this offer at any time, and the new terms will be communicated to its Clients by displaying it at the Bank's headquarters, except for offers sent to clients in accordance with the applicable legal requirements.

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you. Fluctuation of your earnings may result into affecting the possibility to pay your loan installments.

Possible additional costs:

Please note that in order to contract a consumer loan guaranteed with mortgage there may be additional costs that are not included in the total cost of the loan; if part of these costs are prior to the conclusion of the agreement, they must be paid regardless of whether or not the loan agreement is concluded.

These additional costs may be, for example:

  • Property valuation fee (obtaining the loan is conditional to the submission of a valuation report on the real estate, prepared by an authorized valuator); the cost of the valuation could start from EUR 80 plus VAT, payable in Lei equivalent to the authorized valuator;
  • Costs with the real estate insurance policy (obtaining the loan according to the terms and conditions agreed is conditional on the conclusion of a policy of insurance against fire and other disasters for the immovable property brought as warranty except for lands and the assignment of the rights of compensation in favor of the Bank);
  • Notary and warranty publicity fees;
  • Other costs due to third parties.

Representative_example_Vista_ANL

The borrowed persons can be:

Resident and non-resident individuals (according to the NBR Regulation No. 4/2005 regarding the foreign exchange regime, republished as amended and completed).

The individuals category may include:

  • employees of private or public companies
  • freelancers
  • business people (associates, shareholders)
  • individuals who earn income from self-employment
  • pensioners

Age:

  • at least 21 years (at the time of submitting the loan application)
  • for income from salaries or assimilated; maximum retirement age for women / men, at the end of the credit period;
  • for other income (including pensions): maximum 70 years, at the end of the credit period.

Income sources accepted:

  • Salaries
  • Pensions
  • Incomes from free practice
  • Income from self-employment
  • Incomes from copyright
  • Rents
  • Dividends
  • Sales / insurance / brokerage fees
  • Survivors' benefits
  • Life annuities
  • Mandate contracts
  • Management contracts
  • Administration contracts
  • Representation contracts
  • Seafarer incomes

If you are interested in the Vista A home for everyone, please fill in the form below and we will contact you as soon as possible:

Whether you are interested in buying a home or a piece of land, a holiday house, renovating a building or refinancing a loan that has become too expensive, at VISTA BANK we have the right solutions for everyone and a team ready to assist you for the duration of the entire financing process.

  • You can borrow money to fund your most ambitious real estate projects.
  • Your income is essential to determining the amount of the loan that you can access
  • You have a long repayment period – the loan can be paid for up to 35 years.

Details of the VISTA BANK real estate offer are carefully studied so that you can benefit from the most competitive conditions.

In particular, the loan for real estate investments can be used to:

  • Acquisition or maintenance of the property rights over a piece of land and/or a building, built or which is about to be built, or
  • Rehabilitation, upgrading, consolidation or extension of a building, or
  • Revitalizing a piece of land, or
  • Reimbursement of a loan for real estate investments.

Before making a loan, please take into consideration the following aspects:

Choosing the currency of the loan: if you earn income in Lei and you want to make a foreign currency loan, you should keep in mind that the local currency (Leu) may depreciate, so you could pay more lei when you buy the euro for the payment of the monthly installment. We recommend that you contract a loan the currency in which you earn your income.

The type of interest, fixed or variable: for example, if you choose a fixed interest rate for a period, this means that the monthly rate (composed of principal and interest) will remain the same throughout that period; a fixed monthly rate might be a good tool for planning your monthly expenses and personal budgeting.

If you opt for a variable rate of interest, you should know that it is calculated and updated periodically according to a benchmark (IRCC / Euribor), plus the Bank's fixed margin. Over time, this index may decrease or increase, thus affecting the monthly payment installment.

For example, if the reference index decreases, the monthly payment amount is adjusted accordingly and you will pay less. On the other hand, the benchmark may increase, in which case the interest rate on loan will increase, and the monthly payment obligation will also increase and it can be difficult to reimburse the monthly rate.

APRC (the annual effective interest): is a good tool to help you compare the loan or offers and choose the most advantageous one for you in terms of all loan costs (interest, loan card file analysis fee, annual management fee of the loan and other costs, as appropriate).

Fees and commissions: these are known from the very beginning, they are included in the loan contract and cannot be modified by the Bankon the entire duration of the loan; there will be no additional costs other than those already mentioned within the contract.

Total payable amount: is the sum of the amount of the loan and the total cost of the loan, including all monthly payable amounts that you will pay at the end of the lending period.

Monthly Amount to be Reimbursed: This is composed of principal and interest, and you can choose between repayment in equal monthly installments (annuities - in the first years, you pay monthly more and less capital) or monthly decreasing rates (in the first years you will pay an amount higher monthly, respectively repay more capital than interest).

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you.

Also, please be aware that over time, your earnings may vary. Before contracting a mortgage-backed loan, it is good to make sure that you have sufficient, stable and permanent income to pay rates in time and avoid any unpleasant consequences for you.

Please be sure to make the monthly payments on time, as provided in the reimbursement schedule, otherwise you will pay a penalty interest. Deferred payments will be reported to the Loan Risk Center (for loans over 20,000 Lei), and if you delay more than 30 days, your loan balance will also be transmitted to Credit Bureau, and this information may make it more difficult for you to get loans in the future.

Loan amount:

  • Minimum 7.500 Euro
  • Own contribution: minimum 20%-25% of the price or of the rough estimate value
  • Funding may be up to 75% - 80% of the amount of the guarantee

Currency: Euro

Loan duration: maximum up to 420 months (35 years)

Means of loan repayment:

  • Up to 420 Monthly Equal Installments (annuities) composedof principal andinterest
  • Up to 420 Monthly decreasing installments composedof principal andinterest

Early reimbursement fee commission: 0 Commission, regardless of the type of interest, fixed or variable.

Rate of interest:

FIXED 2 years 5,80% per year, then Variableon the whole loan duration, following the formula: EURIBOR 6 Months + Fixed Margin* 5,2% p.p

EURIBOR Reference index 6 Months can be half-yearly revised, the first working day of each semester (in January and July of every year), while the loan interest rate is variable.

*Clients who cash-in their monthly income at the Bank benefit from a 0.30 percentage points reduction of the fixed margin.

Warranties:

  • Mortgage on a real estate
  • Real movable mortgage on the current accounts of the Borrower/Underwriters opened with Vista Bank (Romania) S.A.
  • Real movable mortgage on the insurance policy / contract for fire and other calamities of mortgaged real estate (mandatory, except for land).
  • Real movable mortgage on the insurance policy / contract for fire insurance and other calamities of mortgaged real estate (mandatory, except for land).

You can conclude a financial non-payment risk insurance policy.

Fees:

  • Application analysis fee: 150 Euro for the loans in Euro, fixed amount, will be paid once, on signing the loan contract, from own sources;
  • Annual administration loan fee: 0,2% per year, applicable to the loan remaining balance,not included in installments;the fee is due annually to the creditor, for the loan administration;
  • The Unique Feeof 25 (twenty-five) Euros in LEI equivalent, for services expressly requested by the client during the loan duration and for which the Bank’s consent is required, respectivelythe issuing of: a lease/ loan agreement, residential deed of consolidation, allotment agreement, demolition agreement, building agreement, agreement for changing the territorial unity of the Bank.

The Bank reserves the right to change this offer at any time, and the new terms will be communicated to its Clients by displaying them at the Bank's headquarters, except for the offers submitted to Clients in accordance with the applicable legal regulations.

Fluctuation of your earnings may result in affecting your possibility of paying the loan rates. Possible additional costs:

Please note that, in order to contract a loan for real estate investments, there may be additional costs which are not included in the total cost of the loan; if a part of these costs is prior to the conclusion of the contract, they must be paid regardless of whether or not the loan agreement is concluded.

These additional costs can be, for example:

  • The evaluation fee of the immovable asset (obtaining the loan is conditioned by producing an evaluation report of the immovable asset, drawn by an authorized valuator); the cost of the valuation could start from 80 Euros plus VAT, payable in Lei equivalent to the authorized valuator;
  • Costs with the real estate insurance policy (obtaining the loan according to the agreed terms and conditions is conditional upon the conclusion of an insurance policy against fire and other calamities for the immovable asset brought into the warranty, except for lands and the assignment of the rights of compensation in favor of the Bank);
  • Notary and guarantee publicity fees;
  • Other costs due to third parties.

Representative calculation example: Representative_example_Vista_A_Home_For_Everyone_January_2020

The borrowers may be:

Individuals who, at the date of the loan application:

  • do not own, alone or together with his/her spouse, any residential property, regardless of the way in which it was acquired OR
  • own in exclusive property or together with the spouse at most one residential property, acquired through any other way than through the First House Program, with an usable area of less than 50 square meters.

The individuals category may include:

  • employees of private or public companies
  • freelancers
  • businessmen (associates, shareholders)
  • individuals who obtain incomes out of freelancing
  • retired persons

Age:

  • minimum 21 years old (on the date of the loan application submission)
  • for income from salaries or assimilated; maximum retirement age for women / men, at the end of the credit period;
  • for other income (including pensions): maximum 70 years, at the end of the credit period.

Accepted income sources:

  • Salaries
  • Pensions
  • Freelancing
  • Incomes from self-employment
  • Incomes from royalty payments
  • Rentals
  • Dividends
  • Sales commissions/ insurance/ intermediation
  • Survivor’s pensions
  • Life annuities
  • Contractsof mandate
  • Management agreements
  • Management contracts
  • Representation contracts
  • Seafaring incomes

If you are interested in the Vista First Home, please fill in the form below and we will contact you as soon as possible:

Before concluding a loan contract, please pay attention to the following aspects:

Choosing the loan currency: We recommend that you make the loan contract in the currency in which you earn your income.

Variable interest: the variable interest rate is calculated and periodically updated according to a benchmark index (IRCC), plus the Bank's fixed margin. Over time, this index may decrease or increase, thus affecting the monthly payment rate. For example, if the reference index decreases, the monthly payment amount is adjusted accordingly and you will pay less. On the other hand, the benchmark may increase, in which case the interest rate on the loan will increase and the monthly payment obligation will also increase and thus it may become difficult to reimburse the monthly rate.

APRC (the annual effective interest): is a good tool to help you compare the creditor offers and choose the most advantageous one for you in terms of all loan costs (interest, loan card file analysis fee, annual management fee of the loan and other costs, as appropriate).

Feesand commissions: these are known from the very beginning, they are included in the loan contract and cannot be modified by the Bankon the entire duration of the loan; there will be no additional costs other than those already mentioned within the contract.

Total payable amount: is the sum between the amount of the loan and the total cost of the loan, including all monthly payable amounts that you will pay at the end of the lending period.

Monthly Amount to be Reimbursed: This is composed of principal and interest, and you can choose between repayment in equal monthly installments (annuities - in the first years, you pay monthly more and less capital) or monthly decreasing rates (in the first years you will pay an amount higher monthly, respectively repay more capital than interest).

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you.

The fluctuations of your income may affect your payment capability of the loan installments.

Please be sure to make the monthly payments on time, as provided in the reimbursement schedule, otherwise you will pay a penalty interest. Deferred payments will be reported to the Loan Risk Center (for loans over 20,000 Lei), and if you delay more than 30 days, your loan balance will also be transmitted to Credit Bureau and this information may make it more difficult for you to get loans in the future.

Representative APRC calculation example:

For a loan amounting to Lei 250,000 for a period of 30 years.
Monthly installment will be 1,257.82 Lei, calculated at a variable interest rate of 4.44% per annum. (estimated using IRCC + 2% Fixed Margin).
Annual Actual Interest Rate (DAE): 4.9153%.
The total payable amount will be 470,172.84 Lei, and the total cost of the credit (including the interest, the commission for the file analysis 0%, the annual management fee of the credit 0%, the management fee due to FNGCIMM of 0.40% p.a. applied to the value of the warrantee, the annual insurance premiums for the property of 250 Lei / year and the building evaluation fee starting from 80 Euro + VAT in Lei equivalent) will be 220,172.84 Lei.
The reimbursement way being in equal monthly installments (annuities).
The value of the IRCC reference index used is 2.44% valid as of April 1, 2020.
For the above example, an insured value of the mortgaged building of 250,000 Lei was considered.
Costs in Lei equivalent are estimated using an average exchange rate 1 EUR = 4.83 Lei.

Obtaining the credit according to the agreed terms and conditions is conditioned upon the submission of an evaluation report for the funded immovable asset and the conclusion of an all-risk insurance policy with a value of at least 100% of the valuation amount of the property and the transfer of the redemption rights to the Romanian State, represented by the Ministry of Finance and the Bank.

Currency: Lei

Minimal value of the loan: 33.000 Lei

Maximum amount: up to 95% of the acquisition price,without surpassing it:

  • EUR 57,000 in RON equivalent in the case of the loans granted for the purchase of dwellings in operation for periods of more than 5 years from the date of reception at the completion of the new construction or intervention works in order to strengthen and / or reduce the seismic risk;
  • EUR 66,500 in RON equivalent for new or consolidated dwellings intended for the purchase, including those built under the National Agency for Housing (ANL) programs, for which the reception documents upon completion of the new construction works bear the date of issuance / termination with at most 5 years before the date of the claim for guaranteed loan and for the future dwellings to be built by individual beneficiaries
  • EUR 71,250 in RON equivalent for future dwellings that are to be built by at least 2 associates without legal capacity.

Advance money: minimum 5%

Financed percentage of the guarantee value: up to 95%

Maximum duration: 30 years

Reimbursement options:

  • equal monthly installments (annuities).
  • decreasing rates

Interest Rate:

Fluctuating Interest throughout all the loan duration: IRCC + Fixed Margin 2%

Commissions and other fees:

  • File analysis commission: 0 lei;
  • Annual loan management fee: 0%;
  • Management fee due to FNGCIMM and recovered from the beneficiary is 0.40%/year, applied to the balance of the warranty issued by FNGCIMM;
  • FNGCIMM Analysis Commission (charged only in case of warrantee promise): 0,15%/year perceived within the value of the warrantee promise;
  • The real estate evaluation fee, guarantees publicity fees (AEGRM, notary / OCPI, etc.), as well as the insurance premiums of the financed property will be paid by the client from own sources.

Warranties:

  • First Rank Mortgage on a real estate on the financed building in favor of the Romanian State represented by the Ministry of Finance and in favour of Vista Bank (Romania) S.A. and the estrangement interdiction for 5 years from the acquisition date and encumbrances during the whole period of loaning on the financed building
  • Real movable mortgage on a collateral deposit for guaranteeing the interest, in value equal to 3 interest installments, available frozen on the whole duration of the financing;
  • Real movable mortgage on the rights resulting from the insurance policy of the financed building;
  • Real movable mortgage on the current accounts (collateral without dispossession) on the loan balance of all the current accounts opened with Vista Bank (Romȃnia) S.A, available until the settlement of the receivables due by the beneficiary according to the loan and guarantee contracts.

The borrowers may be:

Resident and non-resident individuals (according to NBR Rules No. 4/2005 concerning the currency regime, re-published with its subsequent modifications and completions).

The individuals category may include:

  • employees of private or public companies
  • freelancers
  • businessmen (associates, shareholders)
  • individuals who obtain incomes out of freelancing
  • retired persons

Age:

  • minimum 21 years old (on the date of the loan application submission)
  • for income from salaries or assimilated; maximum retirement age for women / men, at the end of the credit period;
  • for other income (including pensions): maximum 70 years, at the end of the credit period.

Accepted income sources:

  • Salaries
  • Pensions
  • Freelancing
  • Incomes from self-employment
  • Incomes from royalty payments
  • Rentals
  • Dividends
  • Sales commissions/ insurance/ intermediation
  • Survivor’s pensions
  • Life annuities
  • Contractsof mandate
  • Management agreements
  • Management contracts
  • Representation contracts
  • Seafaring incomes

If you are interested in the Vista Auto, please fill in the form below and we will contact you as soon as possible:

If you are tired of crowded transport means or you are planning to explore the beautiful regions of the country with the car of your dreams, then Vista Auto loan for purchasing new cars is the right choice for you. This way you can plan long holidays with your friends, and everyone will admire your new car.

  • You can get a loan in Lei, Euro or US Dollars, according to your needs and earnings;
  • You can increase the financed value with the help of your first degree relatives who will become Co-Debtors;
  • Zero loan management fees, the only payment will be the monthly installment;
  • You will be the owner of the vehicle from the very beginning;

Your car will benefit of the advantages of the insurance Casco Policy.

Borrower: Individuals.

Purpose: Acquiring and maintaining the ownership right on a vehicle

Loan value:

The maximum admitted amount is of:

  • Up to 75% of the acquisition value of the vehicle but not exceeding:
    • 50.000 Euro for loans denominated in Euro
    • 65.000 USD for loans denominated in USD
    • 220.000 Lei for loans denominated in Lei.

In the case of taking over consumer loans granted for the purpose of acquiring or maintaining the ownership right on a motor vehicle contracted from other financial institutions or from the Bank - up to 100% of the balance plus the related interests and commissions, but not exceeding 75% of the purchase value of the vehicle and the maximum allowed for this product.

Currency: Lei, USD or EUR.

Loan duration: maximum up to 60 months (5 years).

Loan reimbursement means:

  • Up to 60 Monthly Equal Installments (annuities) composedof principal andinterest
  • Up to 60 Monthly decreasing installments composed of principal and interest

The interest rate (variable): will change following the calculation formula:

  • For loans denominated in EUR: EURIBOR at 3 Months + Fixed Margin 8,5 pp
  • For loans denominated in USD: LIBOR at 3 Months + Fixed Margin 8,5 pp
  • For loans denominated in LEI: IRCC + Fixed Margin 8,5 pp
    (benchmarks are reviewed monthly on the first business day)

Warranties:

  • Collateral without dispossession on the acquired vehicle
  • (CASCO) Insurance assignment on the acquired vehicle
  • Mortgage on the Lessee’s current accounts opened against Vista Bank (Romania) SA

Commissions and other fees:

  • File analysis commission: 300 Euro in fixed amount, regardless of the loan value; The commission will be charged in Euros for the loans denominated in Euros and in USD and in Lei equivalent at the NRB exchange rate on the payment day for the loans denominated in Lei. The commission will be charged only if the loan is granted and is paid by the Borrower when signing the contracts, from own sources;
  • The Unique Commission of 25 (twenty-five) Euros, for services expressly requested by the client during the loan duration and for which the Bank’s consent is required, respectively the issuing of: a lease/ loan agreement, agreement for changing the territorial unity of the Bank. The fee will be charged in Euro for the loans denominated in Euros and in USDand in Lei equivalent,at the NBR exchange rate on the payment day for the loans denominated in Lei.

The Bank will levy from the borrower any costs claimed by third parties in connection with the conclusion and performance of the contract (e.g. Insurance Policy, registration costs of collateral, etc.).

Possible fluctuations in the benchmark and the exchange rate could affect the amount to be paid by you.

Representative APRC calculation example:

For a loan amounting to Lei 45,000 for a period of 5 years.
Monthly installment will be RON 977.06.
Variable interest rate of 10.94% per annum. (estimated using IRCC + Fixed Margin of 8.5 p.p.).
Annual Percentage Rate of Charge (APRC): 13.1027%.
The monthly equal installments reimbursement will be composed of principal and interest.
The total reimbursement payable amount will be 60,072.85 Lei, while the total cost will be of 15,072.85 Lei, and it includes the interest and commission for the file analysis of 300 Euros in equivalent.
For the above case it was considered an average exchange rate of 1 EUR = 4.83 LEI.

The value of the IRCC Reference Index used is 2.44%, valid from April 1st, 2020.

Obtaining the loan according to the terms and conditions agreed upon is conditional upon the conclusion of a CASCO insurance policy for the funded vehicle with a value of at least 100% of its value and the assignment of the redemption rights in favor of the Bank. Other costs due to third parties are not known to the lender and, as a consequence, are not included in the APRC.

For more details, visit the nearest Vista Bank branch!

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