Libra Internet Bank · Ipotecar Diaspora
- Amount
- Up to 2,000,000 lei
- Term
- Under review
- Published APR
- Under review
- Checked
Mortgages
Compare mortgages. Choose the amount and term that fit your plans.
How to choose an offer
Check the down payment, interest and mortgage costs. Use the same amounts and terms before comparing personalised offers.
11 products in catalogueApply at provider
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Banca Transilvania
- Amount
- 70,000 lei–1,500,000 lei
- Term
- 60–360 months
- Published APR
- 7.32%
- Checked
BRD
- Amount
- Under review
- Term
- Up to 360 months
- Published APR
- 7.57%
- Checked
BCR
- Amount
- 45,000 lei–5,100,000 lei
- Term
- Up to 360 months
- Published APR
- 7.65%
- Checked
Raiffeisen
- Amount
- Under review
- Term
- 36–360 months
- Published APR
- 7.69%
- Checked
Intesa Sanpaolo Bank · Credit ipotecar verde
- Amount
- Under review
- Term
- Under review
- Published APR
- 7.7%
- Checked
Exim Banca Românească · Ipotecar
- Amount
- 35,000 lei–2,000,000 lei
- Term
- Up to 420 months
- Published APR
- 7.78%
- Checked
UniCredit Bank · Credit ipotecar
- Amount
- Under review
- Term
- 36–420 months
- Published APR
- 7.81%
- Checked
ProCredit Bank · Credit imobiliar-ipotecar
- Amount
- Up to 1,250,000 lei
- Term
- Up to 360 months
- Published APR
- Under review
- Checked
ING Bank
- Amount
- From 13,000 lei
- Term
- 36–360 months
- Published APR
- 8.75%
- Checked
Nexent Bank · Creditul Imobiliar ACASĂ
- Amount
- From 50,000 lei
- Term
- 60–360 months
- Published APR
- 8.83%
- Checked
Comparison checklist: the same amount and term
Fill these fields from two personalised offers. Published examples may use different amounts, terms or insurance; they do not by themselves rank offers for your circumstances.
| Compare | Match or check |
|---|---|
| Amount and term | The same net amount received, currency and number of months |
| Nominal interest | Annual rate, fixed period and subsequent formula |
| APR | Value in the offer document, including its assumptions and included costs |
| Payment and total repayment | Initial payment, estimated later payment and total under explicit assumptions |
| Conditions and separate costs | Salary, account, insurance, upfront fees and excluded costs |
| Date and source | Lender document, verification date and validity period |
Conditions that may change mortgage cost
The same bank may publish standard pricing and pricing tied to salary, insurance or energy class. These are explanations, not extra offers.
Banca Transilvania
Salary transfer · Energy-efficient home
Bank source ↗ING Bank
Salary transfer · Life insurance · Energy class
ING publishes a 0.50 percentage-point salary discount and 0.30 for life insurance in the offer checked through 31 August 2026.Bank source ↗BCR
Salary transfer · Optional insurance
Bank source ↗Raiffeisen Bank
Salary transfer · Life insurance
Bank source ↗UniCredit Bank
Salary transfer · Life insurance · Different fixed-rate periods · Mortgage refinancing
Bank source ↗Mortgage: check whether the offer fits your circumstances
In a mortgage review I check the total cost first and what happens after the fixed-rate period. The first-year payment is only the start of the comparison.
Roman Dumitrescu, Head of Editorial
A mortgage is secured against property. Before choosing a lender, work out your own contribution and an affordable payment while keeping a reserve for unexpected expenses.
The best mortgage for your circumstances cannot be identified from one advertised rate. Compare the down payment, valuation, APR and total cost on our mortgage comparison page.
No single offer is best for every income and property.
- ✓Compare the same borrowed amount and term
- ✓Check the down payment and upfront expenses separately
- ✓Check the rate after the fixed period
- ✓Obtain a personalised offer before deciding
Compare offers using the same assumptions
Record the property price, down payment, borrowed amount, currency and term.
Ask both banks to use the same figures; public examples with different amounts or terms cannot alone identify the cheaper offer.
Request the European Standardised Information Sheet (FEIS in Romania) and check its validity. Compare APR, total repayment, instalments and conditions for the advertised rate.
Salary-transfer or insurance discounts must be considered together with their obligations.
Credit costs versus the cash needed to buy
Separate interest and credit fees from the down payment and transaction expenses. Ask for a list covering valuation, account, insurance, notary and security registration.
Do not add a charge twice if it is already in the bank's total.
Insurance required for the loan or advertised terms cannot simply be removed from APR. Ask which costs are included and which must be paid separately.
See the FEIS and cost framework in GEO 52/2016.
Down payment and term: test your budget
The required down payment depends on the financing terms and applicant circumstances. Request a calculation for your circumstances and read the down-payment guide. Confirm guarantee-programme availability when applying.
A longer term can lower payments and increase total interest when other terms remain unchanged. There is no ideal term for everyone.
Try the mortgage calculator; its result is an estimate, not approval.
What happens after the fixed-rate period?
Read the later interest formula and index update schedule. On an IRCC-linked product, distinguish the contractual margin from the index. The IRCC guide explains the difference.
Check whether your budget can handle a higher payment. Use the early-repayment calculator for additional payments, then request an updated bank schedule.
Refinancing is a new loan and needs a separate assessment.
Compare mortgage offers: Estimate a Romanian mortgage from property price, deposit, term and interest. See the monthly payment, total and a higher-rate scenario.
Frequently asked questions
How much down payment do I need?+
There is no universal amount for every applicant. Ask the bank about your circumstances, currency and property. Check any difference between the purchase price and the accepted valuation.
Does APR include every expense?+
APR reflects credit costs under the document's conditions and assumptions, not every purchase expense. Check notary charges and any costs not known or included in the offer separately.
Will my payment stay the same?+
The contract determines this. With an initial fixed rate, check the fixed period and the formula that follows. A calculation using today's index does not guarantee future payments.
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Compare nowCheck IRCC before calculating your instalment
For a variable rate, check the index applied to the contract, not just the daily value. IRCC today: applicable value, history and calculator.