Skip to main content

Country or region

Romania · RON

Switching keeps your loan term and resets the amounts to that market's example. Use your browser's Back button to undo.

HomeCalc

Mortgage calculator for Romania

See what you pay each month, and how the payment moves when the rate changes.

No local legal figures for Romania

HomeCalc has no data on fees, taxes or lending limits in Romania. The loan maths and RON formatting still work. Every fee starts at 0: enter your own, then check them with your lender or a local adviser.

Your loan

Example values: replace them with your own.

RON
RON
20% of the price · Loan RON 632,000.00
years
240 months
Interest rates
%
months
%
Base rate plus margin, as your bank quotes it
Repayment method

The same payment every month within each rate period

Prepayment
RON
%
Default in month 24: 0% of the amount prepaid. Change it to match your loan contract.
After prepaying

Results

Monthly payment

RON 4,712.02

Romania · RON · Basic: fees entered by you

Highest payment
RON 4,713.02
Total interest
RON 498,885.80
Total paidPrincipal plus interest
RON 1,130,885.80

Note

HomeCalc works out the loan and adds up the fees you enter. It provides no legal figures for Romania: no fees, taxes or lending limits. It is not financial, legal or tax advice. Before you decide, check every figure with your lender or a licensed adviser in Romania. This site never stores the numbers you enter; they live only in the page address.

The monthly rate is the annual rate spread evenly over the months; amounts are rounded to the smallest unit of RON. Lenders in Romania may work out interest differently.

The link carries only the numbers you entered. The site keeps no copy of them.

Next: home-buying costs

Interest and principal by year

  • Interest
  • Principal
  • Monthly payment
Interest and principal by yearStacked bars for 20 years showing interest and principal paid each year, with a line for the monthly payment, starting at RON 4,712.02. Exact figures are in the schedule table.Year 1: interest RON 40,610.86, principal RON 15,933.38Year 2: interest RON 39,543.79, principal RON 17,000.45Year 3: interest RON 38,405.24, principal RON 18,139.00Year 4: interest RON 37,190.42, principal RON 19,353.82Year 5: interest RON 35,894.26, principal RON 20,649.98Year 6: interest RON 34,511.31, principal RON 22,032.93Year 7: interest RON 33,035.72, principal RON 23,508.52Year 8: interest RON 31,461.31, principal RON 25,082.93Year 9: interest RON 29,781.45, principal RON 26,762.79Year 10: interest RON 27,989.10, principal RON 28,555.14Year 11: interest RON 26,076.74, principal RON 30,467.50Year 12: interest RON 24,036.24, principal RON 32,508.00Year 13: interest RON 21,859.11, principal RON 34,685.13Year 14: interest RON 19,536.21, principal RON 37,008.03Year 15: interest RON 17,057.70, principal RON 39,486.54Year 16: interest RON 14,413.21, principal RON 42,131.03Year 17: interest RON 11,591.62, principal RON 44,952.62Year 18: interest RON 8,581.06, principal RON 47,963.18Year 19: interest RON 5,368.89, principal RON 51,175.35Year 20: interest RON 1,941.56, principal RON 54,603.68per yearper month15,00030,00045,00060,0002,0004,0006,000Year 55Year 1010Year 1515Year 2020

Year

Show what happens if rates rise

If the floating rate rises

The promotional period stays the same; only the floating rate goes up.

Show yearly schedule

Yearly schedule

Scroll sideways to see the whole table