Mortgage credit interest rate, percent in Romania, April, 2025 The most recent value is 6.52 percent as of April 2025, a decline compared to the previous value of 6.58 percent. Historically, the average for Romania from January 2007 to April 2025 is 7.79 percent. The minimum of 4.2 percent was recorded in August 2021, while the maximum of 13.65 percent was reached in May 2010. | TheGlobalEconomy.com

Among the factors that influence mortgage interest rates are inflation, economic growth, monetary policies, the bond market, lenders' stability, and the housing market's overall conditions. The mortgage interest rate in Romania fluctuated during the period under observation, with an upward trend from the second quarter of 2017 onwards. The first quarter of 2023 reached the highest value recorded — **** percent; by the fourth quarter of 2024, it dropped to **** percent.

The average value of mortgage loans granted increased in Romania from approximately ****** euros in 2009 to almost ****** euros in 2023. The lowest average value of mortgage loans granted was seen in 2013 when the average mortgage loan granted amounted to just over ****** euros.

Mortgage credit, billion currency units in Romania, March, 2025 The most recent value is 111.4 billion Romanian Leu as of March 2025, an increase compared to the previous value of 110.7 billion Romanian Leu. Historically, the average for Romania from January 2007 to March 2025 is 58.14 billion Romanian Leu. The minimum of 7.9 billion Romanian Leu was recorded in January 2007, while the maximum of 111.4 billion Romanian Leu was reached in March 2025. | TheGlobalEconomy.com

Comprehensive dataset containing 25 verified Mortgage lender businesses in Romania with complete contact information, ratings, reviews, and location data.

In 2020, the value of mortgage loans granted in Romania peaked in November at **** billion euros. The mortgage loans in 2020 recorded values of over one billion euros every month apart from June.

Romania - Housing cost overburden rate: Owner, with mortgage or loan was 0.20% in December of 2024, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Romania - Housing cost overburden rate: Owner, with mortgage or loan - last updated from the EUROSTAT on July of 2025. Historically, Romania - Housing cost overburden rate: Owner, with mortgage or loan reached a record high of 40.90% in December of 2014 and a record low of 0.00% in December of 2019.

Mortgage credit interest rate, percent in Romania, avril, 2025 Pour cet indicateur, National Bank of Romania fournit des données pour la Romania de janvier 2007 à avril 2025. La valeur moyenne pour Romania pendant cette période était de 7.79 pour cent avec un minimum de 4.2 pour cent en août 2021 et un maximum de 13.65 pour cent en mai 2010. | TheGlobalEconomy.com

It can be seen that the total amount of gross residential mortgage lending in Romania fluctuated during the period under observation, reaching a value of over **** billion euros as of the third quarter of 2024. In comparison, the United Kingdom, which was the country with the highest mortgage lending in Europe as of the third quarter of 2024, recorded more than ** billion euros in lending. More information on the Mortgage market in Western European countries can be found here.

Romania - Overcrowding rate: Owner, with mortgage or loan was 58.40% in December of 2024, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Romania - Overcrowding rate: Owner, with mortgage or loan - last updated from the EUROSTAT on September of 2025. Historically, Romania - Overcrowding rate: Owner, with mortgage or loan reached a record high of 63.20% in December of 2010 and a record low of 29.00% in December of 2016.

Mortgage credit, billion currency units in Romania, mars, 2025 Pour cet indicateur, National Bank of Romania fournit des données pour la Romania de janvier 2007 à mars 2025. La valeur moyenne pour Romania pendant cette période était de 58.14 billion Romanian Leu avec un minimum de 7.9 billion Romanian Leu en janvier 2007 et un maximum de 111.4 billion Romanian Leu en mars 2025. | TheGlobalEconomy.com

RO: Coverage Ratio: NPL & Advances at Amortised Cost: ow Mortgages data was reported at 50.600 % in Sep 2024. This records a decrease from the previous number of 53.800 % for Jun 2024. RO: Coverage Ratio: NPL & Advances at Amortised Cost: ow Mortgages data is updated quarterly, averaging 53.600 % from Sep 2019 (Median) to Sep 2024, with 21 observations. The data reached an all-time high of 56.400 % in Sep 2019 and a record low of 50.600 % in Sep 2024. RO: Coverage Ratio: NPL & Advances at Amortised Cost: ow Mortgages data remains active status in CEIC and is reported by European Banking Authority. The data is categorized under Global Database’s Romania – Table RO.EBA: Non Performing Loans Ratio: Loans and Advances.

Romania RO: NPL Ratio: Loans & Advances at Amortised Cost: ow Mortgages data was reported at 1.900 % in Dec 2024. This records a decrease from the previous number of 2.000 % for Sep 2024. Romania RO: NPL Ratio: Loans & Advances at Amortised Cost: ow Mortgages data is updated quarterly, averaging 2.100 % from Sep 2019 (Median) to Dec 2024, with 22 observations. The data reached an all-time high of 3.300 % in Sep 2019 and a record low of 1.900 % in Dec 2024. Romania RO: NPL Ratio: Loans & Advances at Amortised Cost: ow Mortgages data remains active status in CEIC and is reported by European Banking Authority. The data is categorized under Global Database’s Romania – Table RO.EBA: Non Performing Loans Ratio: Loans and Advances.

This statistic illustrates the total amount of outstanding residential mortgage lending in Romania from the second quarter of 2014 to the fourth quarter of 2020. It can be seen that the total amount of outstanding residential mortgage lending in Romania increased during the period under observation, reaching a value of ***** billion euro as of the fourth quarter of 2020. The smallest amount of outstanding residential mortgage lending during this period was found in the second quarter of 2014, when a value of close to *** billion euro of residential mortgage lending was recorded.

As of the third quarter of 2019, a total of three European countries exceeded ************ in outstanding residential mortgage lending - the United Kingdom, Germany and France.

Romania - Severe housing deprivation rate: Owner, with mortgage or loan was 0.00% in December of 2023, according to the EUROSTAT. Trading Economics provides the current actual value, an historical data chart and related indicators for Romania - Severe housing deprivation rate: Owner, with mortgage or loan - last updated from the EUROSTAT on September of 2025. Historically, Romania - Severe housing deprivation rate: Owner, with mortgage or loan reached a record high of 28.60% in December of 2010 and a record low of 0.00% in December of 2023.

Companies operating in the third-party real estate industry have had to navigate numerous economic headwinds in recent years, notably rising interest rates, spiralling inflation and muted economic growth. Revenue is projected to sink at a compound annual rate of 0.6% over the five years through 2025, including an estimated jump of 1.2% in 2025 to €207.6 billion, while the average industry profit margin is forecast to reach 35.1%. Amid spiralling inflation, central banks across Europe ratcheted up interest rates, resulting in borrowing costs skyrocketing over the two years through 2023. In residential markets, elevated mortgage rates combined with tightening credit conditions eventually ate into demand, inciting a drop in house prices. Rental markets performed well when house prices were elevated (2021-2023), being the cheaper alternative for cash-strapped buyers. However, even lessors felt the pinch of rising mortgage rates, forcing them to hoist rent prices to cover costs and pricing out potential buyers. This led to a slowdown in rental markets in 2023, weighing on revenue growth. However, this has started to turn around in 2025 as interest rates have been falling across Europe in the two years through 2025, reducing borrowing costs for buyers and boosting property transactions. This has helped revenue to rebound slightly in 2025 as estate agents earn commission from property transactions. Revenue is forecast to swell at a compound annual rate of 3.7% over the five years through 2030 to €249.5 billion. Housing prices are recovering in 2025 as fixed-rate mortgages begin to drop and economic uncertainty subsides, aiding revenue growth in the short term. Over the coming years, PropTech—technology-driven innovations designed to improve and streamline the real estate industry—will force estate agents to adapt, shaking up the traditional real estate sector. A notable application of PropTech is the use of AI and data analytics to predict a home’s future value and speed up the process of retrofitting properties to become more sustainable.

Romania RO: Composition & Asset Quality: NPL & Advances at Amortised Cost: ow Mortgages data was reported at 0.300 EUR bn in Sep 2024. This stayed constant from the previous number of 0.300 EUR bn for Jun 2024. Romania RO: Composition & Asset Quality: NPL & Advances at Amortised Cost: ow Mortgages data is updated quarterly, averaging 0.200 EUR bn from Sep 2019 (Median) to Sep 2024, with 21 observations. The data reached an all-time high of 0.300 EUR bn in Sep 2024 and a record low of 0.200 EUR bn in Dec 2023. Romania RO: Composition & Asset Quality: NPL & Advances at Amortised Cost: ow Mortgages data remains active status in CEIC and is reported by European Banking Authority. The data is categorized under Global Database’s Romania – Table RO.EBA: Non Performing Loans Ratio: Loans and Advances.

The Direct Real Estate Activities industry have come up against numerous headwinds in recent years, ranging from the COVID-19 outbreak in 2020 to the high base rate environment in the years since, which has inflated borrowing costs for potential buyers. This is a sharp contrast to the ultra-low interest environment seen over the decade following the 2008 financial crisis. Still, revenue is forecast to edge upwards at a compound annual rate of 0.6% over the five years through 2025 to €622.9 billion, including an anticipated rise of 0.8% in 2025. Despite weak revenue growth, profitability remains strong, with the average industry profit margin standing at an estimated 18.9% in 2025. Central banks across Europe adopted aggressive monetary policy in the two years through 2023 in an effort to curb spiralling inflation. This ratcheted up borrowing costs and hit the real estate sector. In the residential property market, mortgage rates picked up and hit housing transaction levels. However, the level of mortgage rate hikes has varied across Europe, with the UK experiencing the largest rise, meaning the dent to UK real estate demand was more pronounced. Commercial real estate has also struggled due to inflationary pressures, supply chain disruptions and rising rates. Alongside this, the market’s stock of office space isn’t able to satisfy business demand, with companies placing a greater emphasis on high-quality space and environmental impact. Properties in many areas haven't been suitable due to their lack of green credentials. Nevertheless, things are looking up, as interest rates have been falling across Europe over the two years through 2025, reducing borrowing costs and boosting the number of property transactions, which is aiding revenue growth for estate agents. Revenue is slated to grow at a compound annual rate of 4.5% over the five years through 2030 to €777.6 billion. Economic conditions are set to improve in the short term, which will boost consumer and business confidence, ramping up the number of property transactions in both the residential and commercial real estate markets. However, estate agents may look to adjust their offerings to align with the data centre boom to soak up the demand from this market, while also adhering to sustainability commitments.

This statistic displays the annual average interest rate on new residential loans in Romania from 2007 to 2019. Since 2009, the annual average interest rate of new residential loans has decreased overall with some fluctuation from a height of nearly *** percent to under *** percent in 2016. As of 2019, the annual average interest rate on new residential loans in Romania was **** percent.

The mortgage prevalence among homeowners in Europe varied widely across different countries in 2023. About ** percent of the total population in Norway was a homeowner, with ** percent paying out a mortgage loan. Conversely, only *** percent of households in Romania had a mortgage, with nearly ** percent being homeowners. Meanwhile, an average of ** percent of the total population within the EU-27 was an owner-occupant with a mortgage or housing loan. Homeownership depends on multiple factors, such as housing policy, the macroeconomic situation, the state of the housing sector, and the availability of finance. Countries with more developed mortgage markets tend to have lower mortgage interest rates.