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Mortgage with a Combined Interest Rate

Buy your home now! We're here to help you with the right financial solution, from the initial idea all the way to moving in.

ZERO exam fee

Up to 100% financing for your home

Mortgage with a Combined Interest Rate

Promotion with a fixed interest rate of 7.75% for the first 24 months

then floating 8.66%
period August 1, 2026–September 30, 2026

Details

You can find the promotion details at here.

Sample Calculation
Loan Amount1,100,000 MDL
Term25 years
Monthly payment – fixed interest rate8,310.77 MDL
Monthly payment – variable interest rate8,944.90 MDL
DAEAnnual Percentage Rate (APR)8.85%
Total Amount Dueloan amount + all related costs2,680,253.93 MDL

Be financially responsible. Be sure to repay your loan on time.

The total amount does not include property insurance costs.

Fixed rate of 7.9% for the first 24 months

then free float 8.66%

Details

If you work in:

Green check​IT

Green check​private healthcare sector

Green check​private education

Green check​accounting

Green check​budgetary institutions in Victoriabank payroll projects

Green check​large company (over 500 employees)

  • Application review fee – 0 MDL

  • Annual fee – 500 MDL

Sample Calculation
Loan Amount1,100,000 MDL
Term25 years
Monthly payment – fixed interest rate8,418.84 MDL
Monthly payment – variable interest rate8,945.66 MDL
DAEAnnual Percentage Rate (APR)8.89%
Total Amount Dueloan amount + all related costs2,683,580.03 MDL

Be financially responsible. Be sure to repay your loan on time.

The total amount does not include property insurance costs.

Fixed rate of 7.9% for the first 24 months

then free-floating 9.16%

Details

If you work for a medium-sized company (101–500 employees) or receive your salary on a Victoriabank card.

  • Application review fee – 0 MDL

  • Annual fee – 500 MDL

Sample Calculation
Loan Amount1,100,000 MDL
Term25 years
Monthly payment – fixed interest rate8,418.47 MDL
Monthly payment – variable interest rate9,306.41 MDL
DAEAnnual Percentage Rate9.30%
Total Amount Dueloan amount + all related costs2,782,617.28 MDL

Be financially responsible. Be sure to repay your loan on time.

The total amount does not include property insurance costs.

Fixed rate of 7.9% for the first 24 months

then free float 9.66%

Fees

For customers who do not meet any of the specific conditions mentioned above.

  • Application review fee – 0 MDL

  • Annual fee – 500 MDL

Sample Calculation
Loan Amount1,100,000 MDL
Term25 years
Monthly payment – fixed interest rate8,418.47 MDL
Monthly payment – variable interest rate9,668.73 MDL
DAEAnnual Percentage Rate (APR)9.72%
Total Amount Dueloan amount + all related costs2,882,616.88 MDL

Be financially responsible. Be sure to repay your loan on time.

The total amount does not include property insurance costs.

Cashback
Upgrade your credit now

Learn more about the Combined-Rate Mortgage

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Calculate the payment for a Mortgage with a Combined Payment Plan

Do you have any more questions?

Contact us. We’re here to help you.

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How long can you take out the loan?

Why apply for a home loan from Victoriabank?

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Eligibility criteria

Where can I find the full credit conditions?

Can I pay off the loan early?

If I earn income abroad, can I apply for a loan?

Do you have any more questions?

Contact us. We’re here to help you.

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Victoriabank — a member of the deposit insurance scheme in the Republic of Moldova

© Victoriabank 2026. All rights reserved.