ING Bank Romania has introduced two of the most competitive mortgage offers on the local market: ING 3-Year Fixed-Rate Mortgage, launched with a promotional fixed interest rate for 3 years, starting at 4.79%, followed by a margin of 1.89% applied starting in the fourth year, and ING 5-Year Fixed-Rate Mortgage, with a promotional fixed interest rate for 5 years, starting at 5.29%, followed by a margin of 1.89% applied starting in the sixth year, making it one of the most advantageous options in Romania.
Customers can apply for the offer 100% online via Home’Bank and benefit from a transparent discount structure that helps them customize their interest rate. With these offers, ING Bank Romania ranks among the top three most competitive mortgage solutions on the local market, according to an analysis from April 2026.
“Buying a home is one of the most important financial decisions, and Romanians are increasingly seeking a balance between predictability and flexibility. To meet these complex needs, we have launched a mortgage offer with a low fixed interest rate for 3 years, followed by a variable rate, alongside the repositioning of the ING 5-year mortgage. Customers have the freedom to choose the option that best fits their personal plans.” – Iulia Rusu, Credit and Insurance Strategy Manager, Retail Banking, ING Bank România.
How can customers get the biggest interest rate reduction
Depending on the options selected when taking out the loan, customers can obtain the highest interest rate reduction as follows:
- – 0.5 percentage points if they receive or agree to receive recurring income through ING;
- – 0.4 percentage points if the loan amount exceeds 400,000 lei (or -0.2 if the amount is between 200,000 and 400,000 lei)
- – 0.4 percentage points if they provide a down payment of over 40% (or -0.2 if the down payment is between 20% and 40%)
- – 0.3 percentage points if they opt for life insurance;
- – 0.2 percentage points if they purchase an energy class A property regardless of the year of construction.
Huge benefits with the ING 3-Year Fixed-Rate Mortgage and ING 5-Year Fixed-Rate Mortgage offers
Customers receive a preferential exchange rate when the loan amount transferred to the seller is in euro. The loan has zero administration fees.
Additionally, customers who receive their income at ING from an employer with an ING salary agreement benefit from a zero application fee until June 30, 2026. For external refinancing, the application fee remains zero, with no time limit and regardless of the employer.
Additional expenses related to obtaining a mortgage loan, such as notary fees, property appraisal, or payment of RNPM fees, can be financed up to 3,000 lei for a new loan and 1,500 lei for refinancing a mortgage loan from other banks, without the need to submit supporting documents. The amount is included in the loan amount, and the funds are transferred to the customer’s account with their consent.
Full or partial repayment of the loan can be made directly through Home’Bank, reducing both the monthly payment and the loan term, without any additional processing fees.
Additionally, upon closing the loan, ING proactively initiates the process to remove the mortgage from the property, without charging any fees.
ING customers can find out the exact amount they can borrow and the associated costs using the financial pre-approval feature in Home’Bank, and can calculate their monthly payment using the ING Mortgage Loan Calculator available HERE.
ING 3-Year Fixed-Rate Mortgage
If you take out a 401,000 lei mortgage from ING for a Class A property, over 22 years, with life insurance, a steady income, and a 41% down payment, you’ll have a fixed interest rate for the first 3 years (4.79% per year), then variable (fixed margin of 1.89% + IRCC of 5.58%), with repayment in equal installments, an APR of 8.82%, and a monthly payment of 2,460.06 lei during the fixed-rate period. Total amount payable at the end of the 22 years: 817,915.73 lei, including: application review fee (900 lei), life insurance premiums (total 19,311.33 lei) and property insurance (PAD and optional) 2,860 lei, property appraisal fee 803 lei (maximum amount), fund transfer fee 5 lei, fees charged by RNPM 198.9 lei, and Land Registry fees 576 lei.
ING 5-Year Fixed-Rate Mortgage
If you take out a 401,000 lei mortgage from ING for a Class A property, over 22 years, with life insurance, a steady income, and a 41% down payment, you’ll have a fixed interest rate for the first 5 years (5.29% per year), then variable (fixed margin of 1.89% + IRCC of 5.58%), with repayment in equal installments, APR of 8.82%, and a monthly payment of 2,573.50 lei during the fixed-rate period. Total amount payable at the end of the 22 years: 805,686.71 lei, including: application review fee (900 lei), payments for life insurance (total 19,206.46 lei) and property insurance (PAD and optional) 2,860 lei, property appraisal fee 803 lei (maximum amount), fund transfer fee 5 lei, fees charged by RNPM 198.9 lei, and Land Registry fees 576 lei.
These estimates are valid through April 30, 2026, provided that: the reference index in the variable interest rate formula is the value at the time the APR is calculated, the variable interest rate is not lower than the fixed interest rate, costs remain unchanged, and you meet the criteria for a 0 lei current account maintenance fee (otherwise it is 9 lei/month). The loan will be secured by a mortgage on the property purchased with the loan. You should keep in mind that changes in the interest rate or fluctuations in your income may affect your ability to meet your payment obligations.