*Recalculation of the interest rate as a weighted average of interest rates in local currency and euro (previously weighted average only of euro denominated mortgages). Data break from Q1 2014.
Weighted average.Â
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Average mortgage interest rate in Romania 2013-2025
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 2025, it dropped to *** percent. This was still one of the highest interest rates for mortgages across European countries.
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European Mortgage Federation. (April 28, 2026). Average mortgage interest rate in Romania from 1st quarter 2013 to 4th quarter 2025 [Graph]. In ÌÇÐÄÆÆ½â°æ. Retrieved July 27, 2026, from /statistics/615020/mortgage-interest-rate-romania-europe/
European Mortgage Federation. "Average mortgage interest rate in Romania from 1st quarter 2013 to 4th quarter 2025." Chart. April 28, 2026. ÌÇÐÄÆÆ½â°æ. Accessed July 27, 2026. /statistics/615020/mortgage-interest-rate-romania-europe/
European Mortgage Federation. (2026). Average mortgage interest rate in Romania from 1st quarter 2013 to 4th quarter 2025. ÌÇÐÄÆÆ½â°æ. ÌÇÐÄÆÆ½â°æ Inc.. Accessed: July 27, 2026. /statistics/615020/mortgage-interest-rate-romania-europe/
European Mortgage Federation. "Average Mortgage Interest Rate in Romania from 1st Quarter 2013 to 4th Quarter 2025." ÌÇÐÄÆÆ½â°æ, ÌÇÐÄÆÆ½â°æ Inc., 28 Apr 2026, /statistics/615020/mortgage-interest-rate-romania-europe/
European Mortgage Federation, Average mortgage interest rate in Romania from 1st quarter 2013 to 4th quarter 2025 ÌÇÐÄÆÆ½â°æ, /statistics/615020/mortgage-interest-rate-romania-europe/ (last visited July 27, 2026)
Average mortgage interest rate in Romania from 1st quarter 2013 to 4th quarter 2025 [Graph], European Mortgage Federation, April 28, 2026. [Online]. Available: /statistics/615020/mortgage-interest-rate-romania-europe/