Indicele Ipotecare.ro: Raportul rată / salariu s-a menținut pe parcursul anului 2026

The Ipotecare.ro index indicates that the mortgage affordability ratio has remained stable throughout 2026, with a similar value expected for early 2027. This stability is attributed to a slight decrease in interest rates, a slowdown in housing price increases, and a 5.5% annual rise in average net salaries. The average mortgage interest rate currently stands at 5.50%, with an estimated IRCC of 5.58% for Q1 2027. In Bucharest, the average mortgage payment for a two-room apartment represents 43% of the average salary. The current affordability level is significantly better than in 2008, reflecting improved market conditions for homebuyers.