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

• You are a citizen of the Republic of Moldova, up to 50 years old 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
• You have not previously purchased any housing through the Program

• ​It is located on the territory of the Republic of Moldova​
• The value indicated in the sale and purchase agreement does not exceed 1 million MDL​
• It is finished, put into final operation and registered in the Register of Real Estates (Territorial Cadastral Office - hereinafter OCT), until the submission of the credit application
• It has no hidden defects, material or legal defects​
• Not encumbered with a mortgage or other rights of third parties, it is not subject to prohibitions imposed by the court, the prosecuting body, the bailiff, the insolvency administrator or other competent bodies​

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

• The real estate purchased and the guarantee granted by the state.​​

• Original identity card of the applicant and guarantor, spouse, first degree relative - in case of insufficient personal income​
• Credit application, signed by the credit applicant, spouse, guarantor, as appropriate​
• Proof of income, if the income is not reported to the State Tax Service and / or other supporting documents regarding the additional income collected (of the guarantor, spouse, first degree relative - if necessary)​
• Employment agreement (guarantor, spouse, first degree relative, if necessary)​
• Income statement for the last management year covered by the State Tax Inspectorate (if applicable)​
• Other documents that could confirm the existence and provenance of additional sources of income (pensions, transfers from abroad, income from leases, dividends or other sources)​
• Certificate issued by the Public Institution “Public Services Agency”, which confirms that the beneficiary owns exclusively
• Documents related to the pledged real estate​
• Other documents requested by the bank, if necessary​

• The real estate appraisal report performed by the appraisal company approved by the Bank. It will be completed upon presentation of the OTC excerpt
• The OCT certificate regarding the value of the real estate
• Documents confirming the ownership over the real estate indicated in the OCT excerpt
• Other documents at the request of the bank.