Knowledge Base
Articles and guides about loans, interest rates, and personal finance in Moldova.
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Mortgages
View allPrima Casă Compensations 2026: conditions and current status
How the Prima Casă compensation scheme works, who qualifies, and why new applications have been suspended since April 2026.
What is APR (Annual Percentage Rate)?
Learn what APR means and why it's important to know when comparing mortgages.
What is the early repayment fee?
Learn what early mortgage repayment means and how the associated fees work.
Interest rate types: fixed, variable, and mixed
Learn the differences between fixed, variable, and mixed interest rates on mortgages in Moldova.
How is a monthly mortgage payment calculated?
Understand the formula behind your monthly mortgage payment and what factors affect it.
What is LTV (Loan-to-Value)?
Learn what LTV means, how it's calculated, and why Moldovan banks use it to set limits.
How much mortgage can I get on my salary?
Find out how Moldovan banks calculate the maximum mortgage amount based on your income.
Is it worth overpaying your mortgage?
Discover how making extra payments on your mortgage saves interest and reduces your loan term.
What is the debt-to-income ratio?
Learn how banks use the DTI ratio to decide how much you can borrow in Moldova.
How much deposit do you need in Moldova?
Find out the minimum deposit requirements for a mortgage in Moldova and how the size of your deposit affects your loan.