Romania Mortgage Calculator
Your loan
Pre-filled estimate: central-bank rate 6,50% plus a typical lender margin. Replace it with your lender's offer.
- Principal & interest6.120 RON
Upfront costs
- Down payment190.000 RON
- Closing costs%28.500 RON
- Cash needed at purchase218.500 RON
What if interest rates change?
Your payment today is just the start. See how it could move if rates go up or down during your loan.
Your rate is fixed for the whole term, so market moves won't change your payment. Choose a variable or fixed-period loan above to see the effect — or use this to judge whether refinancing could pay off.
Loan balance over time
- Remaining balance
- Interest paid (cumulative)
- Principal paid (cumulative)
Interest rates in Romania
Monthly averages. Sources: Bank for International Settlements
Shows the central-bank policy rate. Mortgage rates are usually higher.
Frequently asked questions
How is the monthly mortgage payment calculated?
For an equal-payment loan, the payment is P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the loan amount, i the monthly interest rate and n the number of months. Taxes, insurance and fees are added on top.
What is the current average mortgage rate in Romania?
Romania does not publish an official average mortgage rate that we can track. Ask several lenders for quotes and enter the rate in the calculator.
How much does a 1-point rate rise change my payment?
On a 760.000 RON loan over 25 years, going from 8,50% to 9,50% raises the monthly payment from 6.120 RON to 6.640 RON — about 520 RON more each month.
What upfront costs should I budget for in Romania?
On a 950.000 RON purchase, expect about 28.500 RON in taxes and fees on top of your down payment. The breakdown is shown in the calculator above.
Can this calculator predict future interest rates?
No. The scenario tool shows a range of possible outcomes based on the band you choose. Nobody can predict rates reliably — use it to check whether you could still afford the loan if rates rise.