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Tools for buyers in RomaniaEvery number with a source and a date.

Five tools that answer the questions that come up in every meeting: what the deal costs on top of the price, how the interest rate moves, what a square metre really costs, what the schools charge and where to live. Data from official sources, and where a figure is an estimate, it says so next to it.

Updated: 18.10.2026 · Glossary

Tool 1

What it costs to buy a new home in Romania, on top of the price

Enter a price and choose the type of deal. The calculation breaks the costs down under Romanian law: VAT, notary fee, land register registration fee and land register extract, and compares them with five other countries at the same price.

BNR rate: 5.3368 lei per euro, 16.10.2026 (BNR)

The price entered is
Property type
Buyer

Lawyer fees have no official tariff in Romania, so they are not included unless you enter an amount.

Costs on top of the net price-
Total to pay-
ItemAmountSource

Not included: a purchase tax for the buyer, because Romania has none. The Article 111 transfer tax applies only to a seller who is a private individual, not to a developer company (Fiscal Code, ANAF, checked 17.10.2026).

9% VAT: the reduced rate applies only to handovers until 30.09.2026 (Law 161/2026). For a handover after that date, 21% applies.

Notary: the bands are minimum fees under Order of the Minister of Justice 177/C/2024, calculated on the price before VAT. A notary may charge more. If the price is below the minimum value in the notaries’ valuation grid, the grid value is used.

Who pays: under Article 1666 of the Romanian Civil Code, the costs of the sale fall on the buyer unless agreed otherwise. If the developer undertakes to bear them, it must be written in the contract.

In our project, Compass on the Lake: the price includes VAT, land-registry fee, notary and lawyer fees. 29 villas in Balotești, from €299,900. See available villas and prices

The same price in five other countries

New home from a developer, private buyer from abroad, not a primary residence. Official taxes and fees only, no lawyer fees. An item marked “Estimate” was not read in an official source.

Checked 17.10.2026. Spain: notary and registry fees are an estimated range, so a range is shown. Greece: the VAT suspension on new builds is in force until 31.12.2026 (Law 5246/2025), so two scenarios are shown. Cyprus: stamp duty was abolished from 01.01.2026. Bulgaria: all items are estimates, and the local tax rate (3%) is Sofia’s.

Tool 2

The IRCC index: the rate under a lei mortgage

A variable-rate lei mortgage in Romania is priced as IRCC plus the bank’s fixed margin. The index is updated once a quarter. Here are all the values since the index was created in 2019, straight from the central bank (BNR).

IRCC in force now5.57%Value 2026T2, applies 01.10–31.12.2026 · BNR
Latest daily IRCC index5.74%15.10.2026 · BNR
BNR policy rate6.50%In force from 08.08.2024, last decision 08.10.2026 · BNR
Quarterly IRCC, in percent, by calculation quarter · BNR data export, checked 17.10.2026

Tap or hover over a point to see the value.

When a value applies: a value labelled T is calculated from the rates of quarter T, published on the last working day of the following quarter, and applies in the quarter after that (OUG 19/2019 and the BNR calculation rules). The “Applies in” column is derived from this rule. For 2026T2 there is direct confirmation: the value applies 1.10–31.12.2026.

Next value: 2026T3 has not been published yet. Under the rules it will be published at the end of December 2026 and will apply in the first quarter of 2027.

All 30 values in a table
Calculation quarterIRCCApplies in (derived)
2026T25.57%2026T4
2026T15.56%2026T3
2025T45.58%2026T2
2025T35.68%2026T1
2025T26.06%2025T4
2025T15.55%2025T3
2024T45.55%2025T2
2024T35.66%2025T1
2024T25.99%2024T4
2024T15.86%2024T3
2023T45.90%2024T2
2023T35.97%2024T1
2023T25.96%2023T4
2023T15.94%2023T3
2022T45.98%2023T2
2022T35.71%2023T1
2022T24.06%2022T4
2022T12.65%2022T3
2021T41.86%2022T2
2021T31.17%2022T1
2021T21.08%2021T4
2021T11.25%2021T3
2020T41.67%2021T2
2020T31.88%2021T1
2020T22.17%2020T4
2020T12.41%2020T3
2019T42.44%2020T2
2019T32.36%2020T1
2019T22.66%2019T4
2019T12.63%2019T3

The margins banks publish

Fixed margin over IRCC, as shown on the banks’ product pages on 17.10.2026. These are published terms, not a market average. The “IRCC + margin” column is our own simple sum using an IRCC of 5.57%, not a bank offer.

BankProductMargin (percentage points)IRCC + marginConditionsSource
BCRCasa Mea (fixed for 3 years, then variable)2.30 to 3.507.87%Income of at least 10,000 lei paid into a BCR account and the Max benefits level. Without these conditions: 3.50.Product page
BCRCasa Mea Natura (green home)2.10 to 3.307.67%Max benefits level. Standard offer: 3.30.Product page
INGIpotecar (variable, or fixed for 3 or 5 years)1.55 to 2.497.12%From 1.55 with life insurance and a property with energy rating A or A+. Plus 0.3 without insurance, and plus 0.4 for a property that is not rated A.Product page
RaiffeisenCasa Ta (fixed for 3 or 5 years, then variable)2.107.67%“From”, for Premium clients with income equivalent to at least 2,000 euros.Product page
CEC BankVariable-rate lei mortgage2.30 to 2.807.87%Income paid through CEC.Product page
CEC BankNoua Casă (state-guaranteed programme)1.90 to 2.007.47%Income paid through CEC.Product page

No published margin was found for Banca Transilvania or BRD. ROBOR rates on 16.10.2026: ROBOR 3M 6.08% · ROBOR 6M 6.13% · ROBOR 12M 6.19% (BNR). EURIBOR is not shown, as it was not checked against an official source.

Tool 3

Price per m² in Bucharest and Ilfov: every source, side by side

Every website publishes a different number, and the numbers do not contradict each other: they simply measure different things. Here each source comes with its definition, period and link, so you can compare like with like.

AreaProperty type€/m²Type of figureDefinitionPeriodSource
BucharestApartments, all€2,312Asking priceAverage, usable area09/2026Indicele imobiliare.ro
BucharestNew apartments€2,552Asking priceAverage, usable area09/2026Indicele imobiliare.ro
BucharestOlder apartments€2,270Asking priceAverage, usable area09/2026Indicele imobiliare.ro
Romania, nationalApartments€2,019Asking priceAverage, usable area09/2026Indicele imobiliare.ro
Bucharest, Sector 1New apartments€4,478Asking priceAverage. A premium sector, not a city average08/2026imobiliare.ro, via financiarul.ro
BucharestNew apartments, 1 to 3 rooms€1,982Asking priceAverage. In the Storia sample, new apartments are cheaper than older ones07/2026Analiza Storia
BucharestOlder apartments, 1 to 3 rooms€2,260Asking priceAverage07/2026Analiza Storia
BucharestApartments, new and older€2,160Asking priceAverage07/2026Analiza Storia
Bucharest2-room apartments€2,193Asking priceMedian, area basis not stated16.10.2026VDI.ro
BucharestHouses and villas€2,293Asking priceMedian, area basis not stated. Land price included in the price16.10.2026VDI.ro
BucharestApartments€1,829Asking priceAverage of only 187 listings. Low reliability2026-10 (page read 17.10)Harta Prețurilor
BucharestApartments€2,312Asking priceRepublishes imobiliare.roQ3 2026Global Property Guide
Bucharest, city centreApartments€3,373User reportsAverage of 316 reports from 47 users12 months to 15.10.2026Numbeo
Bucharest, outside the centreApartments€1,974User reportsAverage of user reports12 months to 15.10.2026Numbeo
BucharestApartments€2,100UnknownMethod and source not publishedQ1 2026sqmdata.com
CorbeancaHouses€1,884Asking priceMedian, small sample (57 listings)17.10.2026VDI.ro Estimate
OtopeniHouses€1,990Asking priceMedian, small sample (45 listings)17.10.2026VDI.ro Estimate
Otopeni2-room apartments€2,000Asking priceMedian, small sample (7 listings)17.10.2026VDI.ro Estimate
SnagovHouses€2,364Asking priceMedian, small sample (28 listings)17.10.2026VDI.ro Estimate
Ștefăneștii de Jos2-room apartments€2,297Asking priceMedian, small sample (5 listings)17.10.2026VDI.ro Estimate
TunariHouses€2,126Asking priceMedian, small sample (39 listings)17.10.2026VDI.ro Estimate
VoluntariHouses€2,613Asking priceMedian, small sample (49 listings)17.10.2026VDI.ro Estimate
Voluntari2-room apartments€2,137Asking priceMedian, small sample (17 listings)17.10.2026VDI.ro Estimate
Pipera (Ilfov side)Houses€2,714Asking priceMedian, small sample (21 listings)17.10.2026VDI.ro Estimate
Pipera (Bucharest side)Houses€2,598Asking priceMedian, small sample (147 listings)17.10.2026VDI.ro Estimate
Pipera (Bucharest side)2-room apartments€2,976Asking priceMedian, small sample (65 listings)17.10.2026VDI.ro Estimate

All values checked 17.10.2026. Ilfov localities have only one source (VDI.ro) with small samples, so they are marked as estimates. imobiliare.ro has no pages for Ilfov or its localities. The notaries’ valuation grid is a minimum value for tax purposes, not a market price, so it is not in the table.

Why the numbers differ

Numbers that circulate in AI answers

Tool 4

International schools in north Bucharest: 2026/27 tuition

Tuition as published by the school itself, in euros, without VAT unless stated otherwise. Filter by curriculum and area, and sort by price.

American International School of Bucharest (AISB)

Pipera, Voluntari

IB (PYP, MYP, DP) and an American high school diploma

€7,810–€28,050 per year

  • Registration fee 3,500 for the first child (KG to Grade 12), building fee 1,000 per year.
  • Bus: 2,880–3,940 per year + VAT, by distance.
  • From the project in Balotești: about 15 min by car.

School fee list · 2026/27 · checked 17.10.2026 Verified

British School of Bucharest (BSB)

Pipera, Voluntari

English National Curriculum, IGCSE, A-Level

€3,948–€24,683 per year

  • Every amount is shown with “+ place-holding deposit” of 5,789 per pupil, which the page says becomes part of the tuition. Check the total with the school.
  • Application fee: 981 (nursery), 3,674 (Years 1 to 13).

School fee list · 2026/27 · checked 17.10.2026 Verified

Mark Twain International School

Voluntari and Cosmopolis (Ștefăneștii de Jos)

IB, and a bilingual track on the Romanian curriculum

€6,585–€18,850 per year

  • The price includes registration, learning materials, three meals, uniforms and basic clubs. Transport is charged separately.
  • IB track: 14,850–18,850 per year.
  • Balotești campus: under construction, opening planned for autumn 2028. An investment of about €30 million, 6 hectares by Lake Cociovaliștea. Business Review, MoneyBuzz, 10.03.2026.

School fee list · 2026/27 · checked 17.10.2026 Verified

Cambridge School of Bucharest

Voluntari

Cambridge International, IGCSE, A-Level

€12,900–€21,400 per year

  • Registration fee 2,200, and a 2,500 advance that is deducted from tuition.
  • Books, uniforms, transport and meals not included.

School fee list · 2026/27 · checked 17.10.2026 Verified

Internationale Deutsche Schule Bukarest

Băneasa, Sector 1

German curriculum, from kindergarten to Grade 12

€7,450–€14,900 per year

  • Kindergarten: 7,450–10,400. School: 14,175–14,900, and up to 16,800 with after-school care until 18:00.
  • Registration fee 1,000. The fee list is ambiguous about meals, so check with the school.

School fee list · 2026/27 · checked 17.10.2026 Verified

Lycée Français Anna de Noailles

Băneasa, Sector 1

French curriculum (AEFE), French baccalaureate

€9,180–€11,630 per year

  • The “other nationalities” rate, which applies to families from outside the EU.
  • First registration fee 2,650 for the first child. The cafeteria is compulsory up to Grade 9, and its price is not published.

School fee list · 2026/27 · checked 17.10.2026 Verified

International British School of Bucharest (IBSB)

Sector 2, not in the north

English National Curriculum, IGCSE, A-Level

€7,350–€22,350 per year

  • Registration fee 1,800, and a 3,500 deposit deducted from tuition.

School fee list · 2026/27 · checked 17.10.2026 Verified

International School of Bucharest (ISB)

Sector 3, not in the north

English National Curriculum, IGCSE, A-Level

€10,835–€19,430 per year

  • Registration fee 1,500. The school states that fees are unchanged from last year.

School fee list · 2026/27 (the school states the same fees as 2025/26) · checked 17.10.2026 Verified

Olga Gudynn International School

Floreasca and Pipera

Romanian curriculum, Cambridge track and IB DP

€1,350–€1,800 per month

  • The price is per month: tuition plus an administration fee that includes meals. The page does not say how many months a year, so there is no annual amount here.

School fee list · Year not stated · checked 17.10.2026 Verified

Bucharest Christian Academy

Sector 3, not in the north

American curriculum (Christian)

Not published

  • Tuition is given only on request. Registration fee for a new pupil: 700.

School fee list · 2026/27 · checked 17.10.2026 Not published

Questfield International College

Pipera, Voluntari

Bilingual kindergarten and school (Romanian and English)

Not published

  • Tuition is not published on the school’s website.

School website · checked 17.10.2026 Not published

The range runs from the cheapest stage (usually kindergarten) to the most expensive (usually high school). Transport and meal prices are rarely published, except by AISB. For Questfield there is only an undated estimate from a guide, so it is not shown.

Tool 5

Ilfov localities north of Bucharest: a comparison

Nine localities, the same measures, from official sources wherever possible. Click a column heading to sort, and filter by what matters to you.

LocalityFlooding [5]Aircraft noise [6]Water and sewerage [7]
Balotești *11,210+34.8%25 (Compass figure)145 (2 in two shifts)12Not APSFR, nearby rivers modelledNot mentionedApă Ilfov
Corbeanca11,412+61.4%28 (22.5 km)124 (2 in two shifts)2Not APSFR, nearby rivers modelledTamași village mentioned (233 residents)Not verified
Otopeni21,750+56.9%23 (16.3 km)86 (2 in two shifts)13No APSFR foundMentioned (1,019 residents)Not verified
Snagov8,331+14.6%34 (35.7 km)246 (2 in two shifts)6Not APSFR, river modelledNot mentionedApă Ilfov
Ștefăneștii de Jos10,588+83.3%23 (16.8 km)232 (1 in two shifts)5No APSFR foundNot mentionedNot verified
Tunari9,617+80.2%23 (14.5 km)162 (1 in two shifts)4No APSFR foundMentioned (Dimieni village: 1,037 residents)Apă Ilfov
Voluntari (incl. Pipera)47,366+10.3%17 (9.4 km)2610 (4 in two shifts)18No APSFR foundNot mentionedNot verified
Mogoșoaia9,820+28.8%22 (14.8 km)201 (1 in two shifts)3On the Colentina river (APSFR)Not mentionedApă Ilfov
Chitila14,762+4.1%20 (13.5 km)227 (4 in two shifts)6On the Colentina river (APSFR)Not mentionedNot verified

* Balotești: the 25 min to Kilometre 0 in the table is Compass's approved figure for the project, not an OSRM measurement. All other times in the table, including Balotești's time to the airport, were measured by OSRM from the town hall. From the project itself: about 10 min to the airport.

Sources and dates

Checked 17.10.2026. Building permits, completed homes and 2026 population by place of residence exist in the INS TEMPO database but were not extracted, so they are not in the table. Pipera has no separate census data: its residents are counted in Voluntari.

This page is general information only and is not legal, tax or financial advice. The data is correct as of the date shown next to each number. Before a transaction, consult an independent lawyer.