The only city where the average value of a new mortgage exceeds 100,000 euros. What installments do Romanians assume in order to become owners?
Mortgage loan applicant, Photo: – / Wavebreak / Profimedia
The residents of Cluj needed the largest loans in 2025 to become owners, while the residents of Timisoara took the smallest amounts of money from the bank, according to an analysis sent to HotNews by Imobiliare.ro. The new mortgage loan with the highest value was granted, however, this year in the Capital.
The people of Cluj also reach the first position in the national top in 2025. The loans accessed by them for real estate purchases were the largest in the country. We are talking about sums that are 31% more substantial than those used by Bucharest residents to become owners and 45% higher than those needed by Timișoara residents to buy a home.
The average value of a new mortgage loan reached 106,965 euros in Cluj-Napoca, and the monthly installment paid to the bank reached 588 euros. It is not surprising, however, if we take into account the fact that this is the most expensive city in the country for buyers, with the average price requested by owners and developers exceeding the threshold of 3,200 euros/useful square meter.
The second place in the country occupied by the people of Constanta
The people of Constanta occupy the next place in the national ranking of Romanians who have accessed, in 2025, the largest new mortgages, according to the imobiliare.ro analysis. The average value of such a loan reached 84,127 euros in the case of the coastal city, and the average rate at 459 euros.
At the local level, a significant appreciation of housing prices was registered in the last year, with demand remaining constant at a high level.
The largest mortgage in 2025: 2 million lei
Those who wanted to buy a real estate property in the Capital resorted to loans with an average value of 81,395 euros. They subsequently paid an average rate of 446 euros.
Brokers Imobiliare.ro Finance brokered the largest mortgage loan in Bucharest this year, of approximately 2 million lei (435,000 euros). The loan was accessed for the purchase of an apartment in the Floreasca area.
Over 78,000 euros credit for housing in two cities
The people of Iași and Brasov took out mortgages of over 78,000 euros this year to become owners. In the capital of Moldova, prices have increased more than in Brașov, but the city remains one of the most affordable in the country for buyers. Conversely, the homes at the foot of Tâmpe are some of the most expensive, but also spend the most time on the market waiting for buyers.
The average value of a new mortgage loan reached 78,959 euros in Iași and 78,383 euros in Brașov. The average monthly rate paid by the residents of Iași this year was 435 euros. Residents of Brasov paid 437 euros/month.
Where to get the smallest mortgages
The people of Timisoara need the smallest amount of money from the bank to make a real estate purchase, if we refer to the residents of the main cities in the country. The average value of a new loan accessed locally through Imobiliare.ro Finance brokers was, in 2025, 73,928 euros. The average rate paid by the people of Timisoara was also the lowest in the country, 410 euros/month to be exact.
The local residential market is considered to be one of the most stable in Romania. Homes sell here almost as quickly as in the Capital, but at much lower prices. On average, buyers pay 1,857 euros/square meter for an apartment in the city on the Bega, compared to almost 2,180 euros/square meter in Bucharest.
