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Property

Romania — Property: Mortgage Availability

ECB data show new household mortgage loans in Romania at an average APRC of 6.35% in 2026-08 (RON loans).

VerifiedGovernment / official sourceECB – MFI interest rate statistics (MIR): cost of borrowing for house purchase, new business, RONLast reviewed: 2026-10-26

Why this matters

Understanding mortgage availability is crucial for homebuyers, as it directly affects their ability to finance property purchases and the terms of any potential mortgage.

Key facts

  • ECB bank interest rate statistics: the average cost of borrowing (APRC) on new RON loans to households for house purchase in Romania was 6.35% in 2026-08.
  • The rate was 6.44% three months earlier (2026-05) and 7.6% in 2025-09.
  • Data cover new business loans from monetary financial institutions to households, showing that domestic banks lend for house purchase in RON at these average rates.
  • Individual offers vary with borrower profile, loan-to-value and fixed or floating terms.

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