Romania and Bulgaria have the cheapest mortgage loans in the region, considering the average wages and the costs of buying a one-bedroom apartment through a 25-year mortgage loan, according to a market report issued by online broker Ipotecare.ro. The average monthly instalment of a mortgage loan required to purchase a one-bedroom mass market apartment in Bucharest, completed for at least 30 years and outside semi-central areas, amounts to 48% of the average net wage nationwide. The value