78% of Rs I buildings are refused mortgage by Romanian banks. The 1977 M7.4 earthquake killed 1,578 people. Before buying any Bucharest property you need to know its Rs classification — and whether it has hidden ICRAL or retrocedat risk.
Romania classifies buildings into Rs I–IV. BCR, BRD, ING and Banca Transilvania all use this when assessing mortgages. Rs I = refused. Rs II = conditional (30-40% down payment).
| Class | Risk | Mortgage | Typical buildings |
|---|---|---|---|
| Rs I | Critical | REFUSED | Pre-1940, Magheru, Calea Victoriei |
| Rs II | High | Conditional | 1950s-60s panel blocks |
| Rs III | Moderate | Standard | 1970s-80s construction |
| Rs IV | Low | Standard | Post-1990, new builds |
ICRAL buildings are communist-era blocks from 1950-1989. They carry retrocedat (restitution) risks — previous owners can claim years after your purchase. RiskAI X automatically detects ICRAL status and computes a bank mortgage risk score. No other platform does this.
| Area | Risk | Notes |
|---|---|---|
| Magheru / Calea Victoriei | High | Dense Rs I, pre-1940 |
| Militari / Drumul Taberei | Medium | ICRAL blocks, Rs II-III |
| Pipera / Voluntari | Low | Post-1990, tech hub |
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