Hi,

For the moment this is not possible in Romania. No bank gives you mortgage but it will happen soon. It's just a matter of time.

Why don't you take the mortgage in UK because the APR is much better there. Here is about 8% as the loans business started in 2005-2006 and now it is very low but the competition is increasing.

2nd step is to open a local company here..it's very easy and it costs only 300 EUR.

Why do you opt for Cluj? The best area are Bucharest, Black Sea and mountain (Brasov)...Cluj is almost dead for the moment.

Should you need more help, don't hesitate to contact me. triplew.intnet.ro

Cheers