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Serban Trîmbițașu advises families to limit their mortgage payments to 25% of their income, despite banks allowing up to 40%. He highlights the risks of high debt levels, including potential interest rate increases that could double monthly payments. Trîmbițașu emphasizes the importance of budgeting carefully before committing to a mortgage, suggesting that younger buyers view home purchases as comfort rather than investment. He also notes that buying a home can help control spending habits. Current prices for two-bedroom apartments in Bucharest range from €90,000 to €130,000, with renovation costs adding approximately €30,000.