Picture

Mortgage loans in MDL

with a fixed rate of 5% during the first 5 years

5 % annual

 fixed interest in the first 5 years

0% file analysis fee

de analiză dosar

Minimum down-payment 15%

of the purchase price of the property

Regardless of the season, you feel the happier in YOUR HOUSE. Regardless of the season, we are here to support you, in perhaps one of the most important projects of your life - the purchase of a house.

Get now a mortgage loan and get rid of the burden of rents or opt for refinancing on advantageous terms of real estate loans contracted from other financial institutions.

Your advantages

  • You can finance up to 100% of the value of the property, in the case of additional real estate guarantees
  • 5% annually, FIXED interest in the first five years, for all categories of customers
  • 5% per annum, floating interest starting in the sixth year
  • Minimum down-payment 15% *
  • You have a repayment term of up to 20 years
  • You benefit from a grace period of up to 12 months
  • You have ZERO file analysis commission
  • You have ZERO currency risk
  • You get a debit card for free
  • You benefit free of charge from the services offered by the Mortgage Center
  • You get pre-approval of the loan, valid for 90 days
  • You can refinance advantageously, the loans you have to other financial institutions
  • For a safer and calmer future, you can apply for the Property Insurance policy

*for apartments located in the city of Chisinau and put into operation since 2000.

 

Credite imobiliare în lei

Credit amount 500 3300000
Period 12 Months 240 Months

Real estate loans in MDL

The accuracy of this computer's data and its applicability to your particular case are not guaranteed. For accurate information and a personalized calculation, come to any branch of the bank.

Monthly payment

43.63 MDL

Interest rate

6 %

Effective annual interest rate

10.86 %

Representative calculation example: for a loan in the amount of 500 000 MDL, for a period of 240 months, with a fixed annual interest of 7% in the first 5 years and 7%, floating, starting with year 6, with 1% financing fee and 0.15% management fee, annual percentage rate of charge (APRC) is 9.32%.

How can you apply for a credit?

1. Come to any branch or Mortgage Center
2. Submit your application online in 5 easy steps:

Step 1: Access the credit computer
Step 2: Choose the amount and credit period
Step 3: Fill in the online form with the requested personal data
Step 4: Wait for our advisor's call to clarify some details and set up an appointment
Step 5: Come to the bank to sign the credit agreement

Eligibility criteria

  • You are a citizen of the Republic of Moldova and have a residence visa in the Republic of Moldova
  • You are officially employed in the Republic of Moldova and you have at least 4 months of activity with your current employer

Accepted income

  • Income from salaries
  • Cumulative income of family members (spouse)
  • Other income that is permanent and can be confirmed

Guarantees

  • The pledge of the real estate that is the object of the sale and purchase agreement
  • Pledge of another property owned
  • Pledge of bank deposits

Required documents

  • Identity card (in original)
  • Credit application
  • Agreement on consultation of the Bureau of Credit Histories and the database ot the State Tax Service (with qualified advanced handwritten or electronic signature)
  • Proof of income (if the income is not reported to the State Tax Service) and / or other supporting documents regarding the additional income collected
  • Documents related to the pledged real estate
  • Other documents requested by the bank, if necessary