Under point 28 of the Investment Incentive Programme “373”, approved by Government Decision No 351/2023reference rates applicable for the period 01 July – 30 September 2025 inclusiveare the following:
5.18 % annually for loans granted in national currency;
1.24 % annually for loans in foreign currency.

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