Thursday, 23 April 2026
Millennials accounted for the majority of mortgage demand in Romania in 2025, according to data from online broker Ipotecare.ro, which highlights the growing role of younger buyers in the residential financing market.
Based on more than 1,000 loans brokered and over 27,000 financial simulations, the company found that buyers aged between 30 and 45 represented around 64% of total demand. Borrowers under 30 years old accounted for a further 24%, while those aged over 45 made up 12% of the analysed portfolio.
The data also indicates a strong preference for newer housing stock. More than two-thirds of the transactions financed through the broker involved properties completed after 2010, while homes built before 1990 were selected by roughly one-fifth of buyers across all age groups.
Average purchase values increase with age, reflecting differences in income and financial capacity. Buyers under 30 acquired homes at an average price of approximately EUR 104,000, compared to EUR 122,000 for those aged 30 to 45. Purchasers over 45 paid an average of EUR 127,000, around 22% more than the youngest cohort.
Financing structures show a similar pattern. Younger buyers typically provided a 25% down payment, while Millennials contributed around 30%, and older borrowers reached an average of 36%.
Commenting on the findings, Laurentiu Bogdan, Managing Partner at Ipotecare.ro, said the dominance of Millennials reflects their stage in life, as many are focused on securing their first home or improving their living conditions. He added that younger, digitally native buyers are becoming increasingly active and are expected to play a larger role in the coming years.
The analysis also shows that men accounted for 57% of mortgage contracts brokered by the company, compared to 43% for women, a gap attributed to income differences and broader socio-economic factors.
While limited to the broker’s own activity, the findings provide an indication of current demand patterns in Romania’s residential financing segment, particularly the continued strength of Millennials and the gradual emergence of Generation Z buyers.
