Banks have already started coming out with offers for the New House program or at least to present certain data about loans.
EDM-AjutorFinanciar presents some estimated calculations related to the value of the installments depending on the desired loan and what salary you need to have to access such a loan.
We will take into account loans for 20, 25 and 30 years for different amounts to which is added an advance of 15%, a leu / euro exchange rate of 4.85 and a debt ratio of maximum 40%.
New House Loan – 60,000 euros (291,000 lei)
Credit duration: 30 years
Credit rate: 1,460 lei
Total payment: 530,000 lei
Minimum required salary: 3,650 lei
Credit duration: 25 years
Credit rate: 1,600 lei
Total payment: 490,000 lei
Minimum required salary: 4,000 lei
Credit duration: 20 years
Credit rate: 1,830 lei
Total payment: 440.00 lei
Minimum required salary: 4,600 lei
New House Loan – 70,000 euros (339,500 lei)
Credit duration: 30 years
Credit rate: 1,700
Total payment: 625,000 lei
Minimum required salary: 4,250 lei
Credit duration: 25 years
Credit rate: 1,870 lei
Total payment: 570,000 lei
Minimum required salary: 4,700 lei
Credit duration: 20 years
Credit rate: 2,150 lei
Total payment: 520,000 lei
Minimum required salary: 5,400 lei
New House Loan – 90,000 euros (436,500 lei)
Credit duration: 30 years
Credit rate: 2,200
Total payment: 800,000 lei
Minimum required salary: 5,500 lei
Credit duration: 25 years
Credit rate: 2,400 lei
Total payment: 775,000 lei
Minimum required salary: 6,000 lei
Credit duration: 20 years
Credit rate: 2,750 lei
Total payment: 670,000 lei
Minimum required salary: 6,900 lei
New House Loan – 119,000 euros (577,000 lei)
Credit duration: 30 years
Credit rate: 2,900
Total payment: 1,060,000 lei
Minimum required salary: 7,250 lei
Credit duration: 25 years
Credit rate: 3,180 lei
Total payment: 970,000
Minimum required salary: 7,950 lei
Credit duration: 20 years
Credit rate: 3,620 lei
Total payment: 880,000 lei
Minimum required salary: 9,050 lei *
The above calculations are not exact, but only indicative, taking into account a DAE below 5%. For this reason, the rates, the total amounts to be repaid, the incomes necessary to qualify for a loan being possible are higher.
