observatornews.ro/economic/plafon-dublat-la-140000

The ceiling for the Noua Casă program may double to €140,000, easing access for young buyers. However, BNR warns this could lead to higher housing prices and increased debt risk. Currently, young buyers face challenges in saving for down payments, with the new proposal allowing a 5% down payment. While this reduces initial costs, it may increase monthly payments significantly, potentially exceeding 45% of income, leading banks to deny loans. Experts recommend aiming for a lower debt-to-income ratio and opting for fixed-rate mortgages. The government also plans to provide social housing for young people.