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Romania

Notaries authenticate sale contracts and register rights in the land book. Prima Casă and other state guarantee programs reduce down payments for qualifying first-time buyers. VAT applies on new residential units from developers.

Currency: RON · Last reviewed: 2026-10-29

Common loan types

  • Credit ipotecar cu dobândă fixă
  • Credit ipotecar cu dobândă variabilă
  • Prima Casă guaranteed program loan
  • Credit pentru renovare

Rates in Romania

Published national averages change often. Use our calculators with a rate you enter from your lender or central bank source. LoanReady does not publish live lender rate tables for Romania.

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Example formatting: 350.000 RON illustrative loan amount.

Borrowing powerRepaymentsRefinance savings
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