Banca Transilvania
- Amount
- 70,000 lei–1,500,000 lei
- Term
- 60–360 months
- Published APR
- Under review
- Checked
Romanian mortgage rates in 2026, compared by total cost
We compare bank-published examples by APR, fixed-period payment, later formula and total amount payable.
9 offers comparedAPR from 7.32%Apply at provider
Compare now
We receive a commission when you choose an offer through Kreditano. Your cost stays the same.
Representative example: for a mortgage of 346,500 lei over 360 months, a 20% down payment and a fixed annual interest of 6.40% in the initial period, the monthly instalment is 2,171 lei, the APR is 6.82% and the total amount payable is 781,380 lei, including estimated fees and insurances. Figures vary by bank, down payment and property valuation.
Independent comparison · free for you
The list includes lenders and intermediaries. Intermediaries are clearly marked and take you to their own platform; the final lender sets eligibility and costs. The order considers verified APR, and commercial agreements may influence positions. Details
BRD
- Amount
- Under review–Under review
- Term
- Under review–360 months
- Published APR
- Under review
- Checked
BCR
- Amount
- Under review–5,100,000 lei
- Term
- Under review–360 months
- Published APR
- Under review
- Checked
Raiffeisen
- Amount
- Under review–Under review
- Term
- 36–360 months
- Published APR
- Under review
- Checked
Intesa Sanpaolo Bank · Credit ipotecar verde
- Amount
- Under review–Under review
- Term
- Under review
- Published APR
- Under review
- Checked
UniCredit Bank · Credit ipotecar
- Amount
- Under review–Under review
- Term
- 36–420 months
- Published APR
- Under review
- Checked
ProCredit Bank · Credit imobiliar-ipotecar
- Amount
- Under review–1,250,000 lei
- Term
- Under review–360 months
- Published APR
- Under review
- Checked
Nexent Bank · Creditul Imobiliar ACASĂ
- Amount
- 50,000 lei–Under review
- Term
- 60–360 months
- Published APR
- Under review
- Checked
ING Bank
- Amount
- 80,000 lei–1,500,000 lei
- Term
- 60–360 months
- Published APR
- Under review
- Checked
Comparing published mortgage costs
In this guide, "best" means the lowest APR published by the lender at the time you read this page.
APR changes during the year, so the values stay a starting point, not a firm offer.
A mortgage ties you to the bank for two or three decades, so a small rate gap turns into tens of thousands of lei across the whole term.
The right choice weighs your available down payment, the rate type and the origination fees, not just the first month's instalment.
A fixed rate gives you a stable instalment for a few years, shielded from market rises.
A variable rate, tied to the reference index, may start lower but climbs when the index goes up.
On a tight income, a predictable instalment is often worth more than a lower starting percentage.
On the list, the default „Kreditano order” is based on the APR; based on commercial agreements, certain lenders may occupy higher positions. You can always sort strictly by APR.
When you want a strict cost ranking, sort by APR.
The first recommended card is a good starting point, yet the bank where you already hold accounts may offer better terms, so compare against your case.
Kreditano is an independent comparison platform. We are not a lender, we do not take credit applications and we do not offer financial advice.
The information in this article is for information purposes; the final conditions are set exclusively by the creditor.
Kreditano may receive a commission when you access a creditor's website through our links.
- ✓The full APR: interest, origination fee, property valuation and the mandatory insurances.
- ✓The minimum down payment required and how it shapes the rate: a larger one usually lowers the cost.
- ✓A fixed rate for an initial period or a variable one tied to the reference index.
- ✓The total cost over the whole term and the early repayment penalty, capped by law.
Frequently asked questions
Which is the best mortgage in 2026?+
The one with the lowest APR you can get at your down payment, with a stable instalment you can carry for many years. Compare banks on our mortgage page and sort by APR.
What down payment do I need for a mortgage?+
The market standard starts at 15% of the property value, but a larger down payment usually earns a better rate and an easier instalment. Check each bank's thresholds before applying.
Fixed or variable rate, which is better?+
It depends on your risk tolerance. Fixed brings calm and a predictable instalment, variable can be cheaper at first. Read what APR is to compare the two types correctly.