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.
Found 23 mortgages
Credit Casa Ta
Average rate (APR)
8.03%
Range: 7.76% – 8.3%
Mixed
Early Repayment
1% – year 1; 0.5% – from year 2 of remaining balance
Credit Ipotecar
Average rate (APR)
8.37%
Range: 8.1% – 8.64%
Mixed
Early Repayment
1% – year 1; 0% – from year 2 of remaining balance
Credit pentru Investiții Imobiliare
Credit Ipotecar
- *Lower APR for preferential clients
- *Lower APR for large loan amounts
Credit Ipotecar cu Rată Fixă Temporară
- *Lower APR for preferential clients
- *Lower APR for large loan amounts
Credit Ipotecar: Bunuri în Construcție
Average rate (APR)
8.84%
Range: 8.15% – 9.53%
Mixed
Early Repayment
1% – year 1; 0.5% – from year 2 of remaining balance (fixed rate period only)
- *Penalty interest = Current Rate + 5 p.p.
- *Grace period up to 12 months
- *Property must have minimum 80% finishing grade
- *Property must be built by bank-approved developers
Credit imobiliar
Average rate (APR)
8.84%
Range: 8.15% – 9.53%
Mixed
Early Repayment
1% – year 1; 0.5% – from year 2 of remaining balance (fixed rate period only)
- *Penalty interest = Current Rate + 5 p.p.
- *Grace period up to 12 months
Credit Imobiliar pentru Locuințe în Construcție
- *Lower APR for preferential clients
- *Available only in Chisinau municipality
- *Property must have minimum 80% finishing grade
Credit Investițional
Average rate (APR)
9.10%
Range: 8.83% – 9.37%
Mixed
Early Repayment
1% – year 1; 0.5% – from year 2 of remaining balance
Credit Imobiliar
Credit Ipotecar Prima Casă
Prima Casa Plus
- *100% LTV available only in Chisinau and Balti
Credit Investițional
Credit Prima Casă Plus
- *Lower APR for longer terms
- *0% down payment for refinancing
Prima Casă Plus
Credit Ipotecar Famiglia
Average rate (APR)
9.98%
Range: 9.96% – 10.01%
Mixed
Early Repayment
1% – year 1; 0.5% – from year 2 of remaining balance
Credit PRIMA CASĂ
- *APR varies based on property location (state guarantee share)
- *Monthly guarantee fee varies by guarantee share
- *Penalty interest = Current Rate + 5 p.p.
- *Maximum applicant age: 50 years
Credit Prima Casa Plus
Average rate (APR)
10.28%
Range: 9.25% – 11.3%
Variable
Early Repayment
1% – year 1; 0.5% – from year 2 of remaining balance
Credit CASA MEA / Reparația
Credit Ipotecar Famiglia Investo
Average rate (APR)
10.32%
Range: 9.74% – 10.91%
Mixed
Early Repayment
1% – year 1; 0.5% – from year 2 of remaining balance
Credit imobiliar
Average rate (APR)
10.33%
Range: 9.46% – 11.2%
Mixed
Early Repayment
1% – year 1; 0.5% – from year 2 of remaining balance
Credit Ipotecar Investițional
Average rate (APR)
11.30%
Range: 11.28% – 11.33%
Mixed
Early Repayment
1% – year 1; 0.5% – from year 2 of remaining balance
Credit Diaspora
Average rate (APR)
11.60%
Variable
Early Repayment
1% – year 1; 0.5% – from year 2 of remaining balance
Information is updated periodically. Please verify current terms on the bank's website.
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?