Today's rates, reference interest and the calculators you need
Official figures, updated daily, and tools that show what they mean for you in lei.
Calculators
Every result has its own link that you can save or send.
Mortgage07
- Payment calculatorMonthly payment and repayment schedule, fixed or variable interest.
- Compare offersTwo offers side by side: fixed period, margin, fees.
- How much can I borrowThe maximum loan for your income and down payment under BNR's limits.
- Purchase costsNotary, land registry, mortgage registration and the rest of the cash you need beyond the down payment.
- RefinancingCompare your current loan with a new offer, fees included.
- Early repaymentLower payment or shorter term? See the interest you save.
- Rent or buyThe total cost of renting against a mortgage over the same period.
Worth reading
All articles- What IRCC is and how it changes your loan paymentHow the reference index for variable-rate loans in lei is calculated and what it means for your monthly payment.
- The BNR rate and your bank's rate: why they differWhat the BNR reference rate represents, why your bank exchanges at a different rate, and how to work out what the gap costs you.
- How compound interest worksWhy time matters more than the amount, what growth looks like over 10, 20 and 30 years, and where inflation fits in.
Where the figures come from
Every figure shows its source and date next to it. We take the data straight from the institutions that publish it and show when it was last updated.
Methodology and sources