Prima Casa - Compare Offers
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Frequently asked questions
What is the Prima Casă programme?
It is a state programme that helps you buy a home with a small down payment. The state guarantees part of the loan, so the bank asks for a smaller down payment than on a regular loan.
What are the conditions in 2026?
You need to be up to 50 years old, have a job with official income, and a down payment of at least 5% of the home price. The loan can run for up to 25 years.
What is the Prima Casă interest rate?
In the first half of 2026, the maximum rate is 8.57%. It includes the NBM reference rate, a bank margin of up to 3%, and the guarantee fee.
Can I also get a compensation from the state?
Yes, some categories can get a compensation, for example families with children. Note that new compensation applications are on hold since April 2026. See the compensation guide for details.