The total volume of housing loans granted to households reached almost RON 30 billion (around €6 billion), a 32% increase from the first half of 2024, according to the National Bank of Romania (BNR). 

Mortgage interest rates are projected to increase in the second half of 2025, impacting both fixed-rate mortgages, which constitute over 99% of new mortgage volumes, and variable-rate mortgages, according to a recent analysis by online broker Ipotecare.ro and SVN Romania | Credit & Financial Solutions.

The Romanian new mortgage market is projected to exceed €5 billion in 2025, with over 76,000 loans granted, excluding refinances and restructurings, according to a report by Ipotecare.ro and SVN Credit Romania.

The European Bank for Reconstruction and Development (EBRD) is extending an €80 million portfolio risk-sharing guarantee to BNP Paribas Bank Polska to help increase access to green finance in Poland.

Mirosław Bednarek, CEO of Matexi Polska has talked to Property Forum about the recent situation in the Polish residential market, the expected revival of the PRS segment and the biggest challenges in 2025.

For the entire year 2024, banks and building co-operative banks in the Czech Republic have provided new mortgage loans worth CZK 228 billion (€9 billion), which represents a year-on-year increase of 83%, reports ČBA (Czech Bank Association) in its latest Hypomonitor from December 2024, which captures data from all domestic banks and building co-operative banks providing mortgage loans.

Romania remains one of the countries with the lowest mortgage penetration rates in the European Union, according to a Colliers’ analysis.  

Mortgage loans totaling €7.3 billion were granted in Romania during the first 10 months of 2024, up by 43% compared to the same period of last year, according to an analysis by SVN Romania.

Mortgage loans worth €5.5 billion were granted in total at a national level in the first eight months of 2024, up 49% compared with the same period of last year, according to data from the National Bank of Romania (NBR). 

The average flat size in Poland is 21 sqm smaller than the EU average and the overcrowding rate is nearly 20 percentage points higher, says Cushman & Wakefield in its latest report. It is therefore no wonder that despite increasingly prohibitive prices, housing demand continues to grow, thereby fuelling demand for mortgages. According to BIK data, June 2024 saw an almost 52% year-on-year increase in mortgage enquiries, with this growth also driven by interest rate cuts - the first since 2021. It would take Polish people wanting to buy a dream home several years to save up enough for a 20% mortgage deposit. Unfortunately, Cushman & Wakefield’s forecasts indicate that price growth is unlikely to ease to give Polish consumers some respite. Contrary to intentions, factors that are likely to add to their disadvantage include a new governmental support scheme and constrained land availability.