Under point 28 of the Investment Incentive Programme ‘373’, approved by Government Decision No nr.351/2023the reference rates, applicable for the period from 01 January to 30 June 2026 inclusive, are as follows:
5.57 % annually for loans denominated in national currency;
1.59 % annually for loans denominated in foreign currencies.

The reference rate is calculated as the weighted average interest rate on new deposits taken with a term of 6 to 12 months, total by banking sector (source: www.bnm.md)