The BNR announced a decrease in interest rates on loans in lei, in 2026, as a result of the decrease in IRCC to 5.68% in the first quarter of 2026.

The National Bank of Romania has informed that the pressure of interest rates on loans in lei is starting to decrease, significantly impacting the rates. The IRCC indicator, which influences the rates on new loans, will drop to 5.68% in the first quarter of 2026, compared to 6.06% in the last quarter of 2025, the highest level recorded.

This decrease will allow for lower rates, although the effect will not be immediate and varies depending on the type of loan. Additionally, the BNR mentioned that the downward trend of the IRCC could continue into the second quarter of 2026. Regarding older loans, the ROBOR index has started to decline, with the 3-month ROBOR at 6.12% and the 6-month ROBOR at 6.25%. These decreases provide relief to borrowers, after a period of constant increases in loan costs.