Prima Casa

Following the consultations, which took place in Chisinau from December 4-17, 2025, the IMF mission noted in its final statement that the banking system remains resilient, but high credit growth and rising housing prices require close monitoring.

The maximum margin of up to 3% per annum for mortgage loans guaranteed by the state under the state program “Prima Casă” will be applied to contracts concluded from January 1, 2026, Logos Partners reports.

In 2026, the maximum margin for government-guaranteed loans in the Prima Casa program will remain at 3%.

This is stipulated by a relevant amendment to the loan agreement between Moldova and the European Bank for Reconstruction and Development on the implementation of works on the construction and reconstruction of roads, the ratification of which was backed by the cabinet.

As of July 1, the prime rate for loans under the state program Prima Casă increased by 2.12% and reached 5.82%,” Logos press reported.