Business Forum • 24 April, 2026 at 2:00 PM
Millennials aged between 30 and 45 contracted almost two-thirds of mortgage loans processed by Ipotecare.ro in 2025, according to an analysis based on over 1,000 intermediated financings and over 27,000 simulations.
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%.