Credite în lei vs. euro. Dobânzi mai mici la euro, dar există un risc în plus

Romanian borrowers with euro loans may face higher payments due to recent ECB interest rate hikes. While euro loans have lower interest rates, they carry currency risk. The current Euribor is around 2.5%, compared to 5.56% for lei loans. Fluctuations in the euro exchange rate can significantly increase repayment amounts. Additionally, rising Euribor rates could lead to higher costs for those with variable interest rates. Experts advise considering income currency and repayment capacity rather than just interest rates when choosing a loan currency.