Romania’s residential market is entering a new stage in which access to financing and the financial strength of projects have become key criteria for both developers and banks. In this context, Colliers Romania prepared the valuation report supporting the €80.5 million loan granted by UniCredit Bank to One United Properties, with the financing facility expandable to as much as €140 million.

The funds will support the completion of the One High District and One Lake Club residential developments in Bucharest, as well as the first stage of the company’s share buyback programme approved by its shareholders. Given its value and purpose, the transaction ranks among the most significant recent bank financings in Romania’s residential real estate sector.

Project Valuation Becomes a Key Element in Securing Financing

The Assessment Goes Beyond Asset Value

According to Gabriel Blăniță, Director of Valuation & Advisory Services at Colliers Romania, financing transactions of this scale confirm the growing maturity of the residential market. The valuation process examines not only asset values but also sales performance, remaining development costs, construction progress, execution risks, and the projects’ ability to maintain liquidity in a more cautious economic environment.

This approach provides financial institutions with a comprehensive view of an investment’s viability and supports well-informed lending decisions.

Developers Rely on Diversified Financing

At the end of the first quarter of 2026, One United Properties had more than 4,150 residential units and 45,500 square metres of retail and office space under development, with an estimated gross development value exceeding €1.6 billion. The company also reported a loan-to-value ratio of 34%, below the level recorded at the end of the previous year.

According to Andrei Hanu, Head of Financing at One United Properties, the new financing supports both the completion of ongoing developments and the company’s strategy of combining multiple sources of capital to sustain long-term growth.

The Residential Market Favors Strong Projects

In recent years, the supply of new homes has been affected by a decline in building permits and rising development costs, while buyers have become more cautious amid inflation and pressure on household incomes. In this environment, projects that demonstrate a solid financial structure, consistent sales performance, and efficient execution are better positioned to attract both bank financing and the interest of homebuyers and investors.