Monday, 25 August 2025
In 2024, only 829 Romanians used the Noua Casa program to buy a home, compared to almost 2,000 in 2023 and over 10,000 in previous years. The low interest comes in the context of variable interest rates having increased significantly, and the guarantee ceiling having been reduced to 500 million lei – a quarter of the maximum level reached five years ago. Although the 2025 program proposes “preferential” conditions, such as a down payment of only 5%, few Romanians dare to take out a loan through Noua Casa.
The New House program has lost its attractiveness with the consistent increase in interest rates from 2023. The interest rate through the New House program is variable, and at the moment, clients need predictability and security, which is why fixed mortgage interest rates come with stability for a few years”, explains Robert Merluşcă, credit broker at CMG.
