alba24.ro/bnr-introduce-noi-reguli-de-creditare-ro

The National Bank of Romania has updated credit regulations, allowing loans secured by EU government bonds, with a maximum limit of 80% of their market value. This change enables individuals to access funds without selling their investments. However, lenders will determine the acceptance of such loans and the types of bonds eligible. Additional restrictions apply if the bonds are purchased with loan funds, reducing the maximum financing limit. The new rules also allow exceeding the standard debt-to-income ratio for these loans, while maintaining the need for income verification. Institutions must evaluate the bonds daily and set internal guidelines for financing limits.