The Bucharest-Ilfov region will attract over a third of new mortgage loans granted nationally in 2025, with the market set to exceed the EUR 5 billion threshold, according to a report by online broker Ipotecare.ro and financial consultancy SVN Credit Romania. In total, over 76,000 new mortgage loans for purchase could be granted in Romania this year. Considering the housing sales estimated by SVN Romania for 2025, transactions carried out through credit will have a share of approximately 45% of the total residential market, 55% of which will represent transactions carried out exclusively from own funds. After Bucharest-Ilfov, most mortgage loans will be granted in Banat (Timiş, Arad, Hunedoara, Caraş – Severin and Mehedinţi), approximately 12.7% of the national total, especially due to the high lending volume in Timişoara, followed by the Centru–Crişana-Maramureş region (Cluj, Bihor, Baia Mare, Satu Mare, Bistriţa-Nasaud and Sălaj), with an estimated share of approximately 10%. The estimated average value of a mortgage loan in Romania is approximately EUR 65,700.