Compare mortgage rates
Compare mortgages from 10 banks in Moldova. Find the best interest rate for home purchase, construction, or refinancing. Filter by APR, term, and down payment.
Here you compare mortgages from 9 banks in Moldova, with the interest rate, APR, down payment and term for each offer. The average rate right now is about 9.6%. Use the filters to find the right loan, then calculate the monthly payment before going to the bank.
Frequently asked questions about mortgages
How do you compare mortgages correctly?
Look at the APR, not just the headline interest rate. APR includes the interest, the origination fee and monthly fees, so it shows the real cost of the loan. Two loans with the same rate can have a different APR because of fees.
What is the difference between a mortgage and a property loan?
In practice both finance the purchase of a home. With a mortgage, the home you buy is used as collateral. With some property loans you can pledge another property instead. Banks in Moldova often use the two terms interchangeably.
What mortgage rates are available now in Moldova?
Right now the average rate across the 9 banks compared here is about 9.6%. Rates move with the NBM base rate, so it is worth comparing offers before you apply.
How much down payment do I need?
On a regular mortgage, banks usually ask for a 15-25% down payment. Through the Prima Casă programme the minimum is 5%. The larger your down payment, the lower your monthly payment and total cost.
Related guides
View all- Prima Casă Compensations 2026: conditions and current status
- What is APR (Annual Percentage Rate)?
- What is the early repayment fee?
- Interest rate types: fixed, variable, and mixed
- How is a monthly mortgage payment calculated?
- What is LTV (Loan-to-Value)?
- How much mortgage can I get on my salary?
- Is it worth overpaying your mortgage?
- What is the debt-to-income ratio?
- How much deposit do you need in Moldova?