The beginning of 2026 will bring lower mortgage interest rates in Romania, both for fixed rates (over 98% of current loans) and variable rates, according to a market report by online broker Ipotecare.ro and financial consultant SVN Romania Credit & Financial Solutions.
Romanian 10-year euro-denominated bonds currently trade at a yield of 5.96%, representing a 351-basis point (bps) spread over German Bunds, which equals to 3.51% over Germany.
ECB will continue to cut interest rates by 25 basis points, although a more aggressive cut of 50 basis points would be more justified given the fragile economic situation.
OMV Petrom has released its trading update for Q4 2025, revealing a period defined by improved refining performance and strategic adjustments following the extension of production licenses.
The World Bank revised down Romania's 2026 growth forecast to 1.3%, compared to the 1.9% predicted in June 2025 and 2.6% estimated in January 2025.
Banks in Central Eastern South-Eastern Europe report improving trends, with credit demand remaining robust, particularly from companies, while banks anticipate improvement in credit supply following a period of contraction.