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Calculator costuri cumpărare 2026

How much it costs to buy a property

Află de câți bani ai nevoie la cumpărare și cât plătești lunar: avans, taxe la notar, comision, asigurare și rata la credit. În lei și euro, la cursul BNR.

Free result

The cash needed at signing and an indicative monthly repayment.

The basis, rechecking and limitations of the calculation
Rule or data
MJ Order 177/C/2024, ANCPI fees and the BNR exchange rate.
When we check again
Check again before the preliminary contract and after any new mortgage offer.
What may vary
The bank's offer, the notary's fee and the agency's commission.

Don't know the property's value?

The notarial valuation grid sets the official minimum price. If you declare a lower price, the notary calculates fees and taxes using the grid value, not your price. Find the exact value in the Grid Report.

View the grid report (99 lei)

How are you paying?

Leave blank if you are not buying through an agency.

Introdu prețul imobilului ca să vezi de câți bani ai nevoie.

What the buyer pays in addition to the price

When buying a property, in addition to the price paid to the seller, the buyer pays: the notary's fee (OMJ 177/C/2024 fee schedule), ANCPI land registration (0.15%, minimum 60 lei), the land register extract and mandatory PAD insurance. If they used an agency, its commission is also payable. The transfer tax (1% or 3%) is payable by the seller, not the buyer. View the seller's tax.

The deposit and mortgage repayment

For a mortgage, banks usually require a deposit of at least 15% of the price. The funds needed to buy are the deposit plus all purchase costs (notary, ANCPI, commission, insurance, plus mortgage deed and registration fees). The monthly repayment is calculated from the amount borrowed, annual interest rate and mortgage term. View the notarial fees in detail.

Mandatory home insurance (PAD)

The PAD policy is legally mandatory (Law 260/2008) for all homes: 130 lei per year for concrete or brick buildings (type A) and 50 lei for type B. It covers earthquakes, flooding and landslides. The price used to calculate fees cannot be below the value in the notarial valuation grid. Find the grid value for your property.

Frequently asked questions

What is the total cost of buying a flat in 2026?

In addition to the price, the buyer pays the notary's fee, ANCPI land registration (0.15%, minimum 60 lei), the land register extract and mandatory PAD insurance. If an agency is used, its commission is also payable. With a mortgage, add the deposit, mortgage deed and registration fees and, optionally, the valuation for the bank.

What deposit do I need to buy with a mortgage?

Banks usually require a deposit of at least 15% of the price for a standard mortgage. The deposit plus all purchase costs make up the funds needed at the time of purchase; the rest of the price is covered by the mortgage.

Which fees does the buyer pay, and which does the seller pay?

The buyer pays the notary's fee, ANCPI land registration and the land register extract. The seller pays the property transfer tax (1% or 3%). Agency commission is usually paid by the buyer if they used an agency.

How is the monthly mortgage repayment calculated?

The repayment is calculated from the amount borrowed (price minus deposit), the annual interest rate and the mortgage term, using the constant annuity formula. The calculator shows the repayment at the interest rate entered; the bank's actual APR also includes its fees.

Is home insurance mandatory?

Yes. The PAD policy (Law 260/2008) is mandatory for all homes: 130 lei per year for concrete or brick buildings (type A) and 50 lei for type B. It covers earthquakes, flooding and landslides.

Who pays the estate agency's commission?

The buyer usually pays the commission of the agency through which they found the property, typically 1-3% of the price plus VAT. If you are not using an agency, leave the field blank in the calculator.

How much does a property valuation for the bank cost?

For a mortgage, the bank requires a property valuation, usually costing a few hundred lei, depending on the valuer and property type. You can enter it as a separate cost in the calculator.

Can I buy with a mortgage without a deposit?

Usually not: banks require a deposit of at least 15% for a standard mortgage. There are special programmes with lower deposits, but most buyers need a deposit plus the purchase costs.

Notarial valuation grid by county

Notarial fees start from the grid value. View the 2026 notarial valuation grid for your county.

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