In July 2025, new granted loans1 amounted to MDL 7,014.6 million, increasing by 0.9% compared to the previous month (Infographic 1). 76.0% represents domestic currency loans, which totalled MDL 5,329.3 million, increasing by 1.4% as compared to June 2025.
Infographic 1. Developments in new granted loans
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In terms of maturity, loans with maturity ranging from 2 to 5 years recorded the highest demand, having a share of 54.9% in the total amount of granted loans. The share of these loans granted to businesses represented 33.6% of the total amount of granted loans.
The average nominal interest rate on new domestic currency loans as compared to the previous month increased by 0.31 percentage points (p.p.) to the value of 9.35%, while the average interest rate on foreign currency loans decreased by 0.07 p.p. to the value of 5.13%.
In July 2025, individuals contracted new loans in total amount of MDL 2,604.9 million, increasing by 4.3% as compared to the previous month, the largest share (62.6%) representing consumer loans (Infographic 2). The largest part of consumer loans granted to individuals (MDL 1,430.4 million) was granted in domestic currency with a maturity ranging from 2 to 5 years.
Infographic 2. New granted loans to individuals
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Mortgage loans represent a share of 37.1% of total new granted loans to individuals and were granted mainly in domestic currency.
The average interest rate on consumer loans granted in domestic currency increased by 0.17 p.p. to the value of 10.95%. The average interest rate on loans granted in domestic currency to acquire real estate increased by 0.90 p.p. to the value of 8.25%.
Compared to the previous month, businesses requested by 0.9% less new loans.
The majority (93.5%) of total new loans granted to businesses was contracted by non-financial commercial companies. They contracted 57.9% of the total new loans granted in July 2025.
The average interest rate on domestic currency loans granted to businesses increased by 0.15 p.p. to the level of 8.72%. The average interest rate on foreign currency loans decreased by 0.07 p.p. to the value of 5.13%.
Infographic 3. New granted loans to businesses
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infographic [4]:
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Developments in DEPOSITS markets in July 2025 [5]
Statistical data [6]
1. The press release is made based on the data reported according to the Instruction on the compilation and dissemination reports regarding the interest rates applied by the Moldovan banks, approved by the Decision of the Executive Board of the NBM no.331/2016. The definitions used in the press release, especially the definitions of new loans, businesses, individuals and individuals performing an activity have the meaning from the above-mentioned Instruction.
Note: In the charts the aggregated data may not match the sum of components due to the mathematical rounding..