Debt-to-income: how much you can borrow
Enter your income and current instalments to see how much more you can borrow under the BNR 40% cap.
How to read the result
Your debt-to-income ratio shows how much of your net monthly income goes to instalments.
The National Bank of Romania caps the sum of all instalments at 40% of net income for loans in lei, and a level below that ceiling leaves you room for a new loan. The calculator subtracts the instalments you already pay and turns what is left into the largest amount you could borrow, using the annuity formula at the APR and term you choose.
The result is indicative. The lender also checks income stability, job tenure and your record at the Credit Bureau, so the final amount can differ. If your ratio goes over 35%, a smaller amount or a longer term lowers your monthly instalment and raises your chances of approval.
Why the APR matters: two loans with the same instalment can carry different total costs. Always compare the real APR, not just the advertised interest, so you see what you pay by the end before you sign.