Borrowing Capacity Calculator
Find out how much you can borrow based on Romanian banking regulations.
€
€
Include car loans, credit cards, and other monthly debt payments.
20%
5%80%
25 years
530
7.6%
3%12%
Rates updated: 05.08.2026
Noua Casă — 7.6%ING Bank — 6.0%CEC Bank — 6.0%Banca Transilvania — 5.3%BRD — 6.3%Raiffeisen — 5.9%BCR — 6.0%
Noua Casă Program
Max 70.000 € · 5-15% avans
Include insurance in DTI
Banks require life insurance (~0.05% of balance/month). This reduces your borrowing capacity slightly.
Current Debt-to-Income6.7% / 40.0%
Used by existing debtsAvailable for mortgage
Romanian regulations (BNR) limit total monthly debt payments to 40% of net income.
Max Monthly Payment
1.000 EUR
Maximum Loan Amount
134.372 EUR
Max Property Price
167.965 EUR
Assuming a 20% down payment.
Current Debt-to-Income
6.7%
These calculations are estimates and do not constitute financial advice. Actual amounts may vary. Consult a financial advisor for personalized guidance.