Mortgage Calculator

ℹ︎ Romanian Market Info

• Standard mortgage terms in Romania: 5–30 years
• Typical interest rates: 6–9% per year (variable or fixed)
• Minimum down payment: 15% (standard), 5% for first-home buyers (Prima Casă program)
• Banks typically finance up to 85% of the property value
• Monthly payment should not exceed 40% of net income (DSTI rule)
• VAT of 5% applies on new homes under €600K (reduced rate)