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Paying for a SIP house in Romania: stages, contract and financing
How payments follow the build rather than arriving in one lump, what to fix in the contract before you transfer anything, and what a bank actually asks when the house is prefabricated.
Published: September 22, 2026Updated: October 12, 20264 min read
The short answer: you do not pay for the house at once. Payments follow the stages of the work, and each stage is written into the contract before the first transfer. An advance that covers most of the price, with no stages attached to it, is the clearest warning sign in this trade. With us a deposit from 10% of the price fixes the price, and the house kit is paid in two halves: one to start production, the other when the kit is ready to ship.
Below: what the stages are, what to fix in writing, what changes when you live abroad, and what a bank looks at when the house is made in a factory.
Why payments follow stages
| Stage | What has happened by then | What you can check | What you pay |
|---|---|---|---|
| Order confirmed | Design fixed, parts scheduled into production | The contract, the drawing set, the delivery window | A deposit from 10% of the price, which fixes it |
| Production starts | Your design goes into production | The contract and the production schedule | Half of the kit price (the 10% deposit is part of it) |
| Kit ready to ship, about 6 weeks | Panels cut and packed for your design | Photos from the factory, or a visit | The rest of the kit price |
| Assembly | Structure standing on your plot, under the roof | The house itself, on site | As staged in the contract |
| Finishing | Services and finishes in a turnkey build | Room by room, against the specification | As staged in the contract |
| Handover | Snags closed, documents handed over | The final walk-through | The last stage in the contract |
A prefabricated house has a real production cost before anything appears on your plot: the panels are cut, the openings are made, the parts are packed. That part is paid for as it happens. The same logic runs through assembly and finishing, so each payment matches work that already exists and can be looked at.
It protects both sides. You never hold a receipt for something that has not been made, and we never carry a finished house that nobody has paid for. It is also the reason we list a large advance without stages among the 12 questions to ask before you sign: a producer who wants most of the money before production has started is asking you to carry their risk.
The whole sequence fits a clear calendar: the parts are ready about 6 weeks from the deposit (up to 8 if the design is adapted), and a turnkey house reaches handover in up to 6 months, permit time not counted. The shell and turnkey differ in how many stages there are, not in the principle. The shell ends once the house stands under the roof; a turnkey house carries on through finishing to handover. The house kit for self-assembly stops once it is ready to ship, since your own crew does the assembly, so its payments end with the two halves. What each option includes is set out in the turnkey price article.
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What to fix before the first transfer
Four things belong in the contract, and all four are ordinary to ask for.
The stages themselves, each with what it covers and what triggers it. A stage tied to a date rather than to finished work is the one that slips.
What the price includes, item by item. The argument later is never about the total, it is about whether something was inside it.
What happens if permits do not come through. Paperwork sits with the town hall, not with us, and the contract should say what happens to money already paid if the plot turns out not to allow the house.
Who carries the transport and the crane. These are real costs on any build, and they belong in the estimate rather than in a conversation after the truck has arrived.
When you live abroad
Buying from abroad is ordinary for us rather than a special case, and the practical part is smaller than it looks. Transfers come from a foreign account without trouble, but the paperwork around the plot and the house is Romanian: a tax identification number, a notary for anything that transfers ownership, and a power of attorney if someone signs in your place. We set that out in the guide for foreign buyers.
What we suggest practically: agree how each stage will be shown to you when you cannot come. Photographs from the factory, a video walk-through at assembly, and one visit you plan in advance for the moment that matters most to you. People who tell us their travel dates early get a build scheduled around them.
If you need a bank
Here we have to be careful about what we claim. Interest rates, terms and the documents a bank wants change, they differ between banks, and they are different again for a non-resident. Anyone who quotes you today what a Romanian bank will approve is guessing. Ask the bank.
What we can tell you is what the bank will look at, because it concerns the house rather than the loan. A lender values a property, so it wants the design, the permit and the land papers, and it wants the construction to be documented as it goes. That suits a staged build: each stage produces exactly the paperwork a bank asks to see.
One point comes up often enough to name. A house assembled from factory panels is still a permanent building on a foundation, designed by licensed professionals and permitted like any other. It is not a mobile home, and the distinction matters to a valuer. The permit project says so explicitly, which is the document you will be asked for.
How much is the advance?
A deposit from 10% of the price, and it fixes the price. The house kit is then paid 50/50, with the deposit counted in the first half: half to start production, the rest when it is ready to ship. For a shell or a turnkey house, assembly and finishing are paid by the stages written into the contract. If a producer asks for most of the price before production has begun, treat that as a reason to ask more questions.
Can I pay from a foreign bank account?
Yes. What needs to be Romanian is the paperwork around the plot and the house: a tax identification number, a notary for anything that transfers ownership, and a power of attorney if someone signs for you.
Will a Romanian bank lend against a prefabricated house?
That is a question for the bank, and the answer depends on the bank, on you and on the plot. What helps is that the house is a permanent building on a foundation with a building permit and a signed design, not a mobile structure.
What happens to my money if the permit is refused?
It should be written into the contract before you transfer anything: permits are decided by the town hall, so this is exactly the kind of risk that belongs on paper. With us, the 10% deposit that fixes the price is refunded, minus only the cost of the design work to adapt your project to SIP. Once 50% or more has been paid, the design is adapted and production has started, so that money is not refunded; the exception is when we manage to sell the house to another client, and then it comes back minus storage and the design adaptation.
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