Moldova ranks second in Europe in terms of the highest mortgage interest rates, with an average rate of 7.4%, surpassed only by Ukraine, where the average interest rate is 10%.

According to a report from the Global Property Guide portal for the second quarter of 2025, the Republic of Moldova ranks second in Europe regarding the highest mortgage interest rates, with an average rate of 7.4%. This is surpassed only by Ukraine, where the interest rate reaches 10%. Poland ranks third with 7.2%, followed by Hungary (6.7%) and Romania (5.9%). In contrast, the lowest mortgage rates are recorded in Denmark and the Netherlands (3.6%), Germany (3.7%), and Lithuania (3.8%).

The European average mortgage interest rate is approximately 4.5%, which highlights the significant difference compared to Moldova. Experts mention that these variations reflect local monetary policies and economic risks, and in the case of Moldova, high interest rates are influenced by the volatility of the real estate market and the low level of liquidity in the banking system. In comparison, countries in Western Europe benefit from stable financial markets and access to cheap financing.