Own dwelling in ancient times was the most desired and created the largest social conflicts. National customs, social trends of recent decades and the psychology of young families feel the need to have their own home. Satisfying the existing demand on the market, entrepreneurs offer various possibilities to purchase or build their own home. The desire to earn a lot and relatively quickly together with the fact that the object of construction is accessible enough to be accepted as a mortgage guarantee, led to the emergence of various financial schemes, which in many cases proved to be fraudulent. In this article the causes of fraudulent financial schemes are examined in the Republic of Moldova. The article describes some existing schemes as well as current and proposed ways to develop housing construction sector. The authors, based on the comparative analysis of financing opportunities for home purchase transactions in the Republic of Moldova (mortgage, real estate leasing, state project "first home"), demonstrate the lack of considerable difference for the consumer between existing offers and the impossibility to use them for the vast majority of the population.