Estimate the maximum loan you can access, based on net income, existing payments and the allowed 40% debt-to-income ratio.
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Enter net income, existing payments, interest and term. The standard debt ratio is 40%.
Estimate based on the debt-to-income ratio. Banks apply their own rules, scores and extra checks. The standard ratio in Romania is 40% of net income.
How much you can borrow ≈ 379,706 RON (Max monthly payment 2,400 RON)Indicative loan figures. The payment uses the annuity formula (fixed rate). The real interest and APR depend on the bank, on IRCC and on fees — the figures here are estimates. Instant in-browser calculation, no account.
The maximum monthly payment is the share of income allowed by the debt ratio, minus existing payments; from it the maximum loan follows:
On a net income of 6,000, with no other payments, at a 40% ratio: the max payment is 2,400; over 30 years at 6.5% that is a loan of about 380,000.
The amount depends on net income, existing payments and the allowed debt ratio. At a 40% ratio, the total monthly payment cannot exceed 40% of net income; that maximum payment gives the maximum loan.
It is the ratio of total monthly payments to net monthly income. It measures how much of your income goes to debt; banks use it to decide how much they can safely lend you.
The central bank rule caps the ratio at 40% of net income for loans in lei (less for foreign-currency loans). For buying a first home, the limit can be a few points higher.
The maximum monthly payment is computed (ratio × income − existing payments), then the annuity formula is inverted with the interest and term to find the amount that payment can support.
Usually net, stable and provable income: the salary, sometimes rent or other recurring income. Bonuses and variable income may be counted partly or not at all, depending on the bank.
Yes. Current payments (other loans, cards, leasing) are subtracted from your repayment capacity, reducing the maximum payment available for the new loan and therefore the amount you can borrow.
Through higher, provable income, reducing or closing existing debt, a longer term (which lowers the payment), or adding a co-borrower with income, within the debt-ratio limit.
Yes, the rules allow a slightly higher ratio for buying a first home than for other loans, specifically to ease access to home ownership.