Generation Z, comprising people under 30, represented 24% of mortgage demand, while Generation X members over 45 accounted for 12% of analysed demand. Regardless of age group, over two-thirds of residential transactions involved new properties completed after 2010. Only 20% of buyers under 30 and 21.5% of those over 30 chose older residential units delivered before 1990.

Property values increased with buyers' age. Generation Z members bought homes with an average price of €104,000, while Millennials paid €122,000 on average. Generation X buyers paid €127,000, which is 22% higher than Generation Z purchases. Younger buyers also made lower down payments of 25% compared to 30% for Millennials and 36% for Generation X.

"The millennial generation represents the largest group in mortgage demand, and this is normal: they are in full personal and professional development and want a personal space where they can start a family," said Laurențiu Bogdan, Managing Partner at Ipotecare.ro. "Young people from Generation Z are digital natives who confidently use credit broker services and will become the main demand category in the next 5-10 years."

Men represented 57% of mortgage contracts compared to 43% for women. Analysis of birth months showed that Taurus (9.9%), Leo (9.7%), Gemini (9.2%) and Cancer (9%) zodiac signs accessed mortgage loans in higher proportions, while Capricorns had the lowest share at 6.6%.