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this credit implies your legal responsibility and must be repaid. Verify your repayment capacity before signing the credit contract.
this credit implies your legal responsibility and must be repaid. Verify your repayment capacity before signing the credit contract.
pre-contractual informationthe amount shown is indicative and does not represent a contractual commitment by maib
about
This product can be accessed via maibank or by calling 022 023 083.
Of course, you had a good reason you chose to credit yourself with a high interest rate. You signed the necessary documents, you spent the money, and now you are left with too many monthly instalments, financial obligations and interest rates that exceed your budget.
Because we understand you, we suggest you get rid of the worry of managing several loans and gather them all in one. You will pay a better interest rate and a lower monthly instalment, so you will save money for other great dreams.
With us, you can refinance any consumer loan, regardless of whether you are a customer of maib or of another bank in the country. You can benefit from refinancing even when the loan was obtained from a microfinance company.
Refinancing loans at maib comes with several benefits:
- you have only one loan and you pay only one monthly instalment;
- you save time, because you will no longer have to travel to several financial institutions to pay the instalments. The payment is made online through the maibank app;
- you save money because you combine loans and stay with a lower instalment;
- all credit costs are transparent, with no hidden fees.
requirements
In order to apply for refinancing it is necessary:
- to have a consumer loan contracted from another financial institution;
- to submit an online application;
- you have a real estate asset, if the amount exceeds 200,000 MDL.
Soon, you will be contacted by a maib consultant to verify your eligibility and you will be invited to the branch of your choice to sign the contract.
deals
The Refinance loan is granted without real estate collateral and with a fixed interest rate. Choose the option that best suits your needs.
You receive your salary on a maib card:
- up to MDL 400,000;
- for up to 60 months.
For a MDL 50,000 loan granted for a 5-year term with an Annual Percentage Rate (APR) of 9.70%, your monthly payment will be approximately MDL 1,045.42.
You receive your salary on a card issued by another bank or in cash:
- up to MDL 400,000;
- for up to 60 months.
For a MDL 50,000 loan granted for a 5-year term with an Annual Percentage Rate (APR) of 11.01%, your monthly payment will be approximately MDL 1,074.94.
You receive your salary on a card issued by another bank or in cash and have a positive credit history:
- up to MDL 400,000;
- for up to 60 months.
For a MDL 50,000 loan granted for a 5-year term with an Annual Percentage Rate (APR) of 9.70%, your monthly payment will be approximately MDL 1,045.42.
If the refinancing amount exceeds MDL 200,000, you will need to own a real estate property.
required documents
We refinance you with a minimum of documents:
- ID card;
- the last 3 receipts proving you paid the instalments on time.
The bank reserves the right to request additional documents regarding the income, in order to meet the prudential requirements specific to the banking activity.
frequent questions
Yes! For your convenience, we put them all together in one loan. Thus, you pay a single interest rate and manage a single loan.
Use the refinancing calculator and see the advantageous conditions we propose.