The Bucharest-Ilfov region will attract more than one third of the new mortgage loans granted at national level in 2025, the profile market to exceed the threshold of five billion euros, according to a report made by the online broker mortgage.ro and the financial consulting company SVN Credit Romania. In total, over 76,000 new mortgages for purchase could be granted in Romania this year, excluding refinctions, restructuring, conversions and credits. In view of the sales of housing estimated by SVN Romania for 2025, the transactions made by credit will have a share of approximately 45% of the total residential market, 55% to represent the transactions made exclusively from own funds. After Bucharest-Ilfov, most mortgages will be granted in Banat (Timiş, Arad, Hunedoara, Caraş-Severin and Mehedinti), about 12.7% of the national total, especially due to the high credit volume in Timisoara, in the next place being the Center-Crişana-Maramureş region (Cluj, Bihor, Baia Mare Sălaj), with an estimated quota of about 10%. «2025 is expected to be the best year for the Romanian mortgage market, to be established a new record of new mortgage loans granted for the purchase of housing – the decrease of the fixed interest and the increase of the revenues represents the main explanations. Braşov and Iasi – Suceva – Bacău representing the regional locomotives of the profile market ”, said Alexandru Rădulescu, Managing Partner SVN Romania Credit & Financial Solutions, the exclusive partner of Mortgage.ro.
Almost 10% of the estimated mortgage loans are granted this year in Romania will be attracted by the Center region – Trasilvania (Sibiu, Alba, Brasov, Harghita, Covasna and Mureş), a similar percentage to be registered in Moldova (Iaşi, Bacău, Suceava, Botoşani, Neamţ and Vrancea). The area of Romania with the least mortgage loans is Oltenia (Dolj, Gorj, Olt and Vâlcea), with under 5,000 mortgage financing. The average estimated value of a mortgage loan in Romania is about 65,700 euros. In the first three months of 2025, a total of mortgage loans worth 2.75 billion euros were granted at national level, according to the data of the National Bank of Romania, increasing by 46% compared to the similar period of 2024, which also includes refinctions, conversions, transfers and restructuring. The number of houses and apartments sold in the first quarter of 2025 at national level was almost 5% lower compared to the similar period of 2024, according to the statistics of the National Agency for Cadastre and Real Estate Advertising Centralized by SVN Romania.
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