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Moldova 💰 MDL Last updated2026-05-28 Ipotecă Calculator
Moldova
A mortgage of 800,000 MDL at 8.5% over 25 years works out to a monthly payment of about 6.442 L, with total interest of 1.132.545 L over the full term.
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Local context Ipotecăs in Moldova
Market overview
Moldova's mortgage market is concentrated among Maib (formerly Moldova Agroindbank), OTP Bank Moldova, and Victoriabank, all supervised by the National Bank of Moldova (NBM). EU candidate status granted in 2022 has accelerated harmonization with European banking standards and gradually compressed mortgage spreads. The "Prima Casa" state-guaranteed first-home program remains a primary demand driver, while NBM rate cuts through 2025 have brought commercial mortgage offers below double digits for the first time in years.
Why 8.5% is the typical rate
A rate near 8.5% reflects the NBM base rate in the high single digits, modest leu inflation, and competitive pricing on Prima Casa-eligible loans at the three dominant retail banks.
Tax & regulatory notes
Property transfers attract a 0.5% state duty plus notary fees of roughly 0.1-0.5% of contract value, with mortgage registration handled through Agenția Servicii Publice. The NBM enforces Regulation 200 on consumer credit, capping debt-to-income at 40% and loan-to-value at 80% for residential mortgages. Borrowers benefit from a 14-day cooling-off period and mandatory APR (DAE) disclosure under Law 202/2013.
A mortgage of 800,000 MDL at 8.5% over 25 years
800.000 L 8.5% 25 years (300 months) 6.442 L 1.132.545 L 1.932.545 L 
