Real Estate Finance
Property finance has to align ownership, leases, valuation assumptions and lender protections. We act for lenders and borrowers on acquisition, development and refinancing loans secured on Romanian real estate.
Updated 28 October 2026 · General information, not legal advice
What the work covers
Lender diligence
Title, permits, leases and encumbrances.
Security
Real estate mortgages, assignment of rents and insurance, share and account security.
Development loans
Drawdown conditions tied to permits and construction milestones.
Refinancing
Release and re-registration of security.
- Mortgage registration. A real estate mortgage must be made by notarial deed and registered in the land book.
- Rent assignment. Assigning rents requires notice to tenants to bind them.
- Future buildings. Mortgages can extend to buildings under construction if drafted correctly.
- Lender report on property
- Mortgage and security documents
- Closing and registration
Is a notarial deed required for a Romanian real estate mortgage?
Yes. A real estate mortgage must be concluded in authentic notarial form and registered in the land book.
Can a mortgage cover future rental income?
Yes, through a movable mortgage over receivables registered in AEGRM, combined with notice to tenants.
Tell us the decision you need to make
Describe the transaction or regulatory issue, the Romanian assets involved and your timetable.
Consultation