The maximum margin for state-guaranteed loans under the Prima Casă program in 2026 is proposed to remain at 3%
The relevant draft government resolution was prepared by the Ministry of Finance. It should be noted that, according to the Law on Certain Measures for the Implementation of the Prima Casă (First House) State Program, one of the components of the maximum annual interest rate on loans issued is a maximum margin of up to 3%, which is adjusted annually by the government. The maximum margin for state-guaranteed loans under the Prima Casă program in 2019-2020 was up to 2% per annum, and in 2021-2025 – 3%. The maximum margin is applied by lenders to loans guaranteed by the state under the Prima Casă state program. As a reminder, under the Prima Casă state mortgage program, it is possible to purchase housing worth up to 2.5 million lei with a financing term of up to 30 years. Citizens who do not own housing or own it jointly with relatives can become beneficiaries, provided that its area does not exceed 50 square meters, or the housing is located in a village or commune, with the exception of Chisinau. The balance of the mortgage loan (principal amount) intended for the purchase of housing under the program, minus interest, commissions, and other bank fees, is guaranteed within the range of 50% to 70%, depending on the category of housing. // 19.12.2025 — InfoMarket.
