Public reporting of transaction data was interrupted after June due to a cyberattack on ANCPI that occurred in mid-July. The agency’s e-Terra IT system returned to functionality in mid-August, and ANCPI published partial transaction reports on 16 October. Subsequently, the institution supplied Storia with the complete Q3 2026 dataset.
ANCPI registered over 30,500 individual-unit transactions nationally in July–September 2026, down 32.3% from the same quarter a year earlier. Of these, more than 8,500 transactions were recorded in Bucharest, a fall of 36.1% versus Q3 2025, slightly worse than the national average.
Among the large counties analysed, Timiș was the only one to post growth, with over 2,700 transactions (+6.5%). Other major counties reported between roughly 1,500 and 1,800 transactions and declines near the national average: Iași (-26.9%), Constanța (-29.8%), Ilfov (-31.4%) and Cluj (-35.1%). Brașov stood out with a pronounced slump of 63.4%, to fewer than 900 transactions.
“Datele arată că evoluția numărului de tranzacții rezidențiale nu este uniformă la nivel național, iar diferențele dintre marile județe analizate sunt semnificative. În trimestrul al treilea, cele mai multe dintre acestea au înregistrat scăderi ale numărului de tranzacții, în timp ce Timiș a consemnat o creștere de 6,5%. Pentru o imagine cât mai clară asupra pieței, este important ca evoluția tranzacțiilor să fie analizată într-o perspectivă mai amplă, alături de indicatori precum dinamica ipotecilor și cea a autorizațiilor de construire”, a declarat Cătălina Ciorei, Senior Marketing Manager Storia & OLX Real Estate (Storia și OLX Imobiliare în România).
Over the first nine months of 2026 Romania recorded more than 98,000 transactions with individual units, a 17.8% decrease compared with the same period in 2025. Bucharest reported over 29,600 transactions, down 14.9% — a smaller decline than the national average — after the capital had posted three consecutive months of growth before the ANCPI incident (+2.2% in April, +15.9% in May and +26.4% in June).
Timiș remained the sole major county with growth over this interval (+4.2%), registering more than 7,600 transactions. Other large counties saw declines: Ilfov (-11.2%), Iași (-17.3%), Cluj (-22.7%), Constanța (-29.3%) and Brașov (-32.8%).
The segment of active mortgages for individual units fell by 24.1% in the third quarter, to over 18,300 active mortgages, ANCPI data show. In Bucharest the decrease was steeper (-27.4%), to almost 5,400 active mortgages. Timiș (+1.6%) and Cluj (+2.5%) were the only major counties to record increases in the number of active mortgages in Q3. Other representative counties registered falls, for example: Constanța (-17.3%), Iași (-29.9%), Ilfov (-43.4%) and Brașov (-45.6%).
For the first nine months ANCPI reported more than 57,100 active mortgages for individual units, 16.7% fewer than in the same period of 2025. Nearly 17,500 of these are in Bucharest (-15.1%), and all major counties recorded declines, including Timiș (-12.8%), Cluj (-13.3%), Constanța (-13.9%) and Ilfov (-27.8%).
ANCPI notes that the count of active mortgages includes refinancing mortgage loans and does not provide a separate statistic for them; some borrowers refinance to obtain a 3–5 year period with fixed interest.
The National Bank of Romania (BNR) kept the monetary policy rate at 6.5% at its meeting on 6 October; this rate has not changed since August 2024, and the next meeting is scheduled for 12 November.
The 3-month ROBOR index, used to calculate interest on mortgage loans issued before 1 May 2019, rose gradually over the last month to 6.09% on 20 October, after a period of stability around 5.84%. The IRCC index, used for loans granted after 1 May 2019, inched up to 5.57% on 1 October (from 5.56%) and will remain at that level until 31 December 2026.
About Storia
Storia is a real estate platform operating in Romania and part of the OLX Group. It provides market information and listings for residential properties and collaborates with institutions such as ANCPI to analyse transaction and mortgage trends.
