New home, credit from EUR 59,501 to EUR 119,000
State guarantee up to 60%, with a minimum 15% down payment.
State-guaranteed programme
Noua Casă without assumptions about 2026
The official page checked on 25 August 2026 still publishes the 2025 guide and ceiling. No official 2026 ceiling was found, so we do not present the programme as open.
Compare mortgagesRules published by FNGCIMM
New home, credit up to EUR 66,500
Guarantee up to 50%, with a minimum 5% down payment.
Other homes, credit up to EUR 66,500
Guarantee up to 50%, with a minimum 5% down payment.
These are credit limits, not home prices. Interest, APR and extra costs must be checked in each bank's own document.
What to check before choosing
- You own no home, alone or jointly with your spouse; the permitted alternative is at most one home acquired outside the Programme, with usable floor area below 50 m².
- Whether the property and down payment meet programme rules.
- A current bank example with APR and total cost.
- An official announcement of the annual programme budget.
Roman Dumitrescu, former BCR analyst: “A small down payment does not show the full credit cost. Compare APR, insurance and account cost in the same scenario.”
In 2026, bank pages often separate standard pricing from pricing tied to salary transfer or insurance. Those are bank conditions, not state rules.
See the mortgage comparison too →Official FNGCIMM source
FNGCIMM
The latest published ceiling is for 2025: RON 500 million. Availability for 2026 is not confirmed on the FNGCIMM page.
Official FNGCIMM source ↗FAQ
Is Noua Casă open in 2026?
The official page checked on 25 August 2026 still shows the 2025 guide and ceiling. We will not label 2026 as open without an official publication.
Is the down payment always 5%?
No. The published rule varies by home type and credit amount; the upper new-home range carries a 15% minimum.
Does FNGCIMM publish APR?
Not for each bank offer. APR and total cost must come from the bank's official document or calculator.
The programme is not the only route to a home
Compare mortgages currently published without assuming that Noua Casă is open.
Compare mortgages