Real estate
The construction financing model in Moldova makes housing at least 20% more expensive than in Romania and EU countries - Veaceslav Ionita
13.02.2026
According to the economic expert at IDIS Viitorul, the main problem lies in the imbalance in the lending structure: with a total volume of bank loans for real estate of 29.4 billion lei in 2025, only 3.3 billion lei went directly to construction companies, while 26.1 billion lei went to mortgage loans to the population. As a result, almost all financing for the sector goes to developers indirectly, through home buyers. The expert noted that in 2005, about 70% of financing went to construction companies and only 30% to the population, while today the situation is reversed: the share of direct...
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