Real estate crowdfunding
in Moldova, from €50
Invest in real property projects — without buying a whole apartment. Escrow account. CNPF authorised.
Authorised by the National Commission for Financial Markets (CNPF)
project interest rate
Fixed before you invest
from 3 months
Investment term
from €50
Minimum investment
For anyone looking where to invest in Moldova, how to earn passive income, or what to do with €1,000–5,000 — without the capital for a whole apartment.
Entry threshold
from €50 per project
Return
fixed on each project
Escrow account
bank escrow for investors
Payouts
monthly or at term
Diversification
several projects with €1,000
Administration
no tenants, notary or paperwork
Regulation
CNPF authorised in Moldova
A quick comparison if you have €1,000–20,000 and want savings that don’t lose value.
EUR bank deposit
from ~€100
Buying an apartment
from ~€40,000
Balkanika crowdfunding
from €50
Risk profile
not a guaranteed deposit
Informational only. Not investment advice.
01
Beginners — a first real investment beyond a deposit
02
Diaspora — Moldovans in the EU who want capital working in Moldova
03
You have €1,000–20,000 and don’t want it locked in one apartment
04
You want passive income in EUR within a CNPF-authorised framework
01
Balkanika account
Register and complete KYC online
02
Choose a project
Return, term and collateral — transparent
03
Invest from €50
Funds go through a bank escrow account
04
Get paid
Monthly or at term, per the schedule
Indicative scenarios. Actual returns depend on the project and the market.
01
€100 — try the platform on a real project and follow the payment schedule
02
€1,000 — 3–5 different projects, monthly payouts from several sources
03
€5,000 — 8–15 projects, staggered terms, a serious alternative to a deposit
Honest about risks
Real estate crowdfunding is not a guaranteed deposit. A project may delay payments, need restructuring or, in extreme cases, cause partial capital loss. Each project has a risk note and transparent collateral. Investor funds go through a bank escrow account. Only invest amounts you can lock for the project term.
A collective way to fund property projects: many investors put in small amounts, the developer receives capital, and investors receive interest or a share of returns under each project’s contract.
From €50 per project. You can start small, see how it works, then grow your portfolio.
Depending on the project: monthly interest plus capital at term, or payment at the end. Check the schedule before you invest.
A separate account where investor funds sit until released to the project after conditions are met. They are not mixed with the platform’s or developer’s operating accounts.
The National Commission for Financial Markets (CNPF) of the Republic of Moldova. Balkanika is authorised as a crowdfunding service provider.
Yes. Registration, verification and investing are online. You need a bank account (EUR) and a valid ID document.
Yes, but with a different risk profile. A deposit has low return and a guarantee. Crowdfunding has higher potential return and project risk. Many people keep some money in a deposit and some in crowdfunding — for diversification.
See open projects right now
Invest from €50. Bank escrow. CNPF-authorised platform.
This page is for information only and is not investment advice. Any investment involves risks, including loss of capital. Updated 2026.
