The National Bank of Moldova published monthly statistics on new bank lending and the interest rates applied in November 2025. New loans totalled MDL 6,930.5 million, a 1.6% decrease from the previous month, with lending in the national currency remaining the majority of new credit. Loans in Moldovan lei accounted for 71.9% of new lending (MDL 4,979.9 million), down 0.6% month on month. By maturity, loans with terms from two to five years were most in demand (55.3% of new loans), with loans of this maturity granted to legal entities representing 36.6% of total new lending. Individuals contracted MDL 2,187.8 million of new loans, down 10.0%, mainly for consumption (59.2%); mortgages represented 40.5% of individuals’ new borrowing and were contracted predominantly in the national currency. New borrowing by legal entities totalled MDL 4,600.3 million, up 2.7%, with 93.9% of new loans to legal entities taken by non-financial companies, which accounted for 62.3% of all new lending. Average nominal interest rates on new loans in the national currency fell by 0.16 percentage points to 9.06%, while rates on foreign currency loans increased by 0.08 percentage points to 5.34%. For individuals, the average rate on consumer loans in the national currency rose by 0.01 percentage points to 11.03%, while the average rate on national-currency mortgage loans declined by 0.03 percentage points to 8.14%; for legal entities, the average rate on national-currency loans fell by 0.10 percentage points to 8.36% and the average rate on foreign currency loans rose by 0.08 percentage points to 5.34%.

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