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Mortgages

Compare mortgages and find the best rate for your home.

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How to choose the right mortgage

A mortgage finances buying a home and is secured by the property. It has long terms (up to 30 years) and usually the lowest interest of all loans.

Compare fixed vs. variable rate, the required down payment (usually at least 15%) and the total cost over the term. A small APR difference means thousands of lei long-term.

  • Large amounts, secured by the home
  • Terms up to 30 years
  • Down payment from 15%
  • Fixed or variable rate

Frequently asked questions

What down payment is needed?+

Usually at least 15% of the property value, but it varies by bank and program.

Fixed or variable rate?+

Fixed offers predictability; variable (linked to IRCC) may be lower initially but fluctuates.

Can I use the 'Noua Casă' program?+

Yes, some banks offer loans through government programs; compare them with standard offers.

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