Romania’s mortgage market registered a new record in 2025, with loans worth €10.9 billion granted at a national level.
According to National Bank of Romania statistics centralised by SVN Credit Romania, this represents an 18.4% increase compared to 2024.
SVN Credit’s calculations show that new loans granted exclusively for home purchases rose to €5.1 billion in 2025, accounting for 46.7% of the total mortgage volume. The remaining figures comprise refinancings, restructurings, reconversions, and transfers. This new loan volume also set a record, rising 13% from the €4.5 billion recorded in 2024.
Cătălin Marin, Managing Partner of SVN Romania | Credit & Financial Solutions, said: ”The mortgage market is increasingly accessible for those who want to buy a home through a mortgage loan: 2026 started with decreasing interest rates and on the fixed segment we already have an average fixed interest rate that dropped below 5%. Consumers should be attentive not only to potential decreases in the key interest rate but also to the existing offers – or to use the services of a credit broker, which are free in Romania – offers that are increasingly advantageous in a context of competition between financial institutions. In addition, IRCC will record another slight decrease in the second quarter, to about 5.57%. In this context, 2026 has all the premises to bring results at least as good as the previous year.”
These record results occurred despite residential sales decreasing by 5.3% in 2025, according to the National Agency for Cadastre and Land Registration. Compared to the total number of residential units sold last year, mortgages held a 57% share, up from 51% in 2024. However, the total number of registered mortgages includes all refinancings and personal loans secured with mortgages.
SVN Credit Romania brokered financings worth €326.5 million in 2025, up 40.7% compared the volume registered in the previous year.
