Mortgages In Romania

Below is a general account of the lending facilities available for financing a Romanian property purchase.


Although mortgages are relatively new to purchasers in Romania, you can now obtain capital and repayment mortgages for 35 years or until age 70.

Minimum loans are normally for 5,000 Euros, while maximum loans can reach 500,000 Euros to finance 75% LTV. In order to qualify, your total debt should currently not exceed 35% of your income.

However, times are changing and the Central Bank’s (BNR) decision to reduce minimum down-payments for homebuyers is paving the way for 100% mortgages and increased affordability for both local and international buyers. This move is of course expected to boost the real estate market, gradually pushing prices upwards by as much as 15%.

Many off-plan developments offer installment plans over between 12 to 60 months. The charges applicable vary according to developer and repayments are usually indexed.

If you have property in your own country and would like to borrow against this in an equity release plan, we can introduce you to independent financial advisors who can help you raise the necessary finance.

Click here to get a quote on a mortgage in Romania

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When considering a buying property in Romania, you are well advised to get expert mortgage advice from a mortgage broker.

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