Refinanţare sau renegociere cu banca? Cea mai avantajoasă tactică pentru a-ţi scădea ratele

Rising living costs prompt Romanian mortgage holders to explore options for reducing their monthly payments. Refinancing with a different bank is one option, but renegotiating with their current bank may be more cost-effective. Retention strategies, where banks offer better terms to keep clients, are increasingly popular. Borrowers should review their contracts, especially as fixed-rate periods end, to ensure they have the best available offers. Experts note significant competition among banks for mortgage rates, but a decrease in interest rates is not expected soon due to the National Bank's current policies.