Prima Casă
The easiest way to get a home loan in Moldova
State-backed mortgage program designed to help first-time buyers with a small down payment and fair monthly costs.
At a glance
Main program parameters
5%
Minimum down payment
up to 25 years
Loan term
up to 1,000,000 MDL
Loan cap
state backed
State guarantee
Eligibility criteria
Who can apply
- Citizen of Moldova, age 18–45
- Employed with at least 4 months tenure
- Has not owned a home in the last year
- Net monthly income ≥ 1,900 MDL
- Monthly payment (credit + guarantee) ≤ 50% of income
Property requirements
What the home must meet
- Completed, registered, and free of encumbrances
- No hidden legal or structural defects
- Ready for immediate use and occupancy
/ Process & timeline
How long it usually takes
Prepare documents
Collect and submit required documents (≈ 3 days).
01Analysis & approval
Bank review and decision (≈ 5–21 business days).
02/ Additional support programs
Compensation variants for specific groups
Prima Casă 2
50% compensation for public sector employees.
Prima Casă 3
100% compensation for families with children.
Prima Casă 4
50–100% compensation for private sector.
Need guidance or a quick pre-check?
Talk to an Imobil Grup consultant — we’ll help you compare offers and prepare your file.