Credit ipotecar în 2026: ce trebuie să știi înainte să cumperi o locuință

In 2026, obtaining a mortgage involves understanding income requirements, down payment, and total costs. Digital tools simplify the process, but thorough analysis of property eligibility and financial capacity is crucial. Pre-approval helps clarify budget before property selection, while fixed interest rates provide predictability. It's essential to compare total costs, including DAE, and ensure a safety margin after payments. Digitalization varies among banks, impacting the application experience.