The Bucharest – Ilfov region is expected to account for over a third of all new mortgages issued nationwide this year. The estimated average value of a mortgage in Romania is around €65,700. 

Besides Bucharest-Ilfov, the Banat and Centre – Crișana – Maramureș regions are each anticipated to attract over 10% of total mortgage loans. In Banat, specifically, a share of approximately 12.7% is estimated due to the high volume of lending in Timișoara.

Alexandru Rădulescu, Managing Partner at SVN Romania | Credit & Financial Solutions, stated: "2025 is shaping up to be the best year for the Romanian mortgage market, setting a new record for new mortgage loans granted for home purchases – declining fixed interest rates and rising incomes are the main drivers."

He also highlighted a narrowing gap between Bucharest and other regions, identifying Timișoara, Cluj-Oradea, Sibiu-Brașov, and Iași-Suceava-Bacău as the market's “regional locomotives.”

Q1 2025 saw mortgages valued at €2.75 billion nationwide, a 46% increase compared to the same period last year, according to the National Bank of Romania. 

Transactions made through credit are expected to represent approximately 45% of the total residential market in 2025, with the remaining 55% covered by personal funds.