How much your client can borrow for a home
NBM rules 19.06.2026Approximate values: the exchange rate, interest rates and parameters are examples until updated from the panel.
- Maximum allowed payment (income − expenses)
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- Credit needed (0%) for the down payment
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- Bank financing (80% of valuation)
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- Down payment (valuation − financing)
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- Top-up to the asking price (price − valuation)
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- Own funds needed (price − financing)
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- Term used
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Recommendation
Appears after income and price: a regular mortgage or Prima Casă, at which bank and what to do.
Banks for this credit
Sorted by total repayment
- maibMortgageAfter calculationInterest8.3%APR8.62%Monthly payment—Financing—Apply through the broker
- maibPrima CasăAfter calculationInterest8.66%APR—Monthly payment—Financing—Apply through the broker
- ComerțbankMortgageOffer on requestInterest—APR—Monthly payment—Financing—Apply through the broker
- EnergbankMortgageOffer on requestInterest—APR—Monthly payment—Financing—Apply through the broker
- EuroCreditBankMortgageOffer on requestInterest—APR—Monthly payment—Financing—Apply through the broker
- EximbankMortgageOffer on requestInterest—APR—Monthly payment—Financing—Apply through the broker
- FinComBankMortgageOffer on requestInterest—APR—Monthly payment—Financing—Apply through the broker
- MoldindconbankMortgageOffer on requestInterest—APR—Monthly payment—Financing—Apply through the broker
- OTP BankMortgageOffer on requestInterest—APR—Monthly payment—Financing—Apply through the broker
- ProCredit BankMortgageOffer on requestInterest—APR—Monthly payment—Financing—Apply through the broker
- VictoriabankMortgageOffer on requestInterest—APR—Monthly payment—Financing—Apply through the broker
Homes the client can buy
Appear after the calculation: listings priced within budget (maximum credit + down payment), with the monthly payment on each.
The calculation is approximate and is not a credit offer. The bank decides after reviewing the file. Rules: NBM, Responsible Lending Regulation (HCE no. 60/2026, in force since 19.06.2026).