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mortgage loan
Offers in EUR, USD or MDL
3 000 000 MDL
up to 30 years
EAR from 7,76%
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requested amount
MDL
choose period
300
luni
our offer
monthly payment
0 MDL
DAE
28.76%
valoarea totală a creditului
2 922 273.15 MDL
Rata
--
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general banking conditions
suma afișată este orientativă și nu reprezintă un angajament contractual al maib.
about
The most beautiful place is at home!
Mornings start differently when you're at home. The view from the window inspires you, the children play in their room, and the coffee has a different taste because you can enjoy it in your own kitchen.
The mortgage loan can be contracted not only for the purchase of a house, but also for other purposes:
- purchase of real estate;
- purchasing a plot of land for building an individual dwelling house;
- building an individual dwelling house;
- modernization of the existing home (finishing, extension).
You get the money you need in advantageous conditions, regardless of whether you work in Moldova, abroad or you receive money transfers from your loved ones monthly.
requirements
If you work on the territory of the Republic of Moldova:
Mortgage MDL
- have a net monthly salary or a confirmed income of at least 6000 MDL;
- you have had a stable job in the last 6 months.
Mortgages are granted in MDL, so the monthly instalment does not depend on the exchange rate.
Mortgage EUR / USD
- have a net monthly salary in EUR or USD;
- you have had a stable job in the last 12 months.
The value of the mortgage loan is established in foreign currency, but the funds are issued in lei, according to the maib exchange rate for non-cash operations.
The monthly rate is paid in lei. The payment is converted into foreign currency at the exchange rate for non-cash transactions, according to the approved repayment plan in euros or dollars.
If you are a migrant worker:
- you are officially active abroad;
- you have a net monthly salary of at least 1000 euros, confirmed in the last 12 months.
If you have other income:
- you have one of the following legal professions: lawyer, notary, bailiff, judicial expert, translator, mediator, registrar;
- you receive money transfers from abroad from first degree relatives;
- you receive dividends as the founder of a company registered on the territory of the Republic of Moldova;
- you have income from renting a property;
- you have income from copyrights, royalties;
commission fees
If you work on the territory of the Republic of Moldova or abroad:
- up to 3, 000, 000 MDL (euro / dollar equivalent);
- for a period of up to 30 years;
- Financing up to 100% of the cost of housing;
- DAE eur - 7,76%;
For a loan of 30 000 eur, for a period of 30 years, you will pay approximately 209.90 eur per month, with an EAR of 7,76%.
- DAE usd - 9,54%;
For a loan of 30 000 usd, for a period of 30 years, you will pay approximately 244.81 usd per month, with an EAR of 9,54%.
- DAE mdl - 12.13%.
For a loan of 500 000 MDL, for a period of 20 years, you will pay approximately 5336.07 MDL per month, with an EAR of 12.13%.
Mortgage fees:
- monthly administration fee - 0%;
- credit granting commission - 0%;
- early repayment fee - 0%;
- file examination fee - 0 MDL.
For additional information, call the Contact Center at 022 855 185/022 855 155, on weekdays from 8 AM to 5 PM.
required documents
- ID card
The bank reserves the right to request supporting documents regarding your income in order to meet the prudential requirements specific to banking.
- Real estate valuation
To submit the loan application, you need the real estate valuation report, completed by a company approved by the bank.
Request the evaluation report online
frequent questions
Now you have access to remote mortgage specialists with a single click.
Schedule a free video consultation with the banking specialists, who will answer all your questions.
You have 5 ways to pay the monthly instalments:
- through the maibank mobile application;
- through internet banking;
- at Cash-In ATMs;
- at self-service terminals;
- in any branch of the bank.
Yes! You can request the evaluation of the property directly at maib, paying a lower price than the one on the market.
In addition, here you benefit from the services of a professional notary at an affordable price, and if time is of essence, then you can request that a maib representative registers dwelling the mortgage contract with ASP in your place.
Yes, of course! Whether you are a freelancer or work for a foreign company, maib offers you the opportunity to obtain a mortgage on advantageous terms.
We invite you to the maib Mortgage Center, located in Chisinau, 115, Vasile Alecsandri Street, where you will receive the most suitable financing solutions for the purchase of housing. At the same time, you can go to any other maib branch.
The day you pay your monthly installments is an important one. Below, we have prepared some payment recommendations for you.
How to pay the monthly installments of the mortgage in MDL?
- Top-up the current account with the amount for the monthly payment, according to the repayment plan.
- The monthly payment is automatically performed from the current account on the payment day, according to the repayment plan.
How to pay the monthly installments of the mortgage in EUR/USD?
- Whether you are in the country or abroad, the amount is transferred monthly to the current account opened in MDL, and on the payment day, it is converted by the bank, according to the exchange rate for bank transfer operations (transfer transactions).
- The monthly payment is automatically performed from the current account on the payment day, according to the repayment plan.
- The exchange rate changes daily. To be sure that the amount transferred is sufficient to pay the monthly installment, we recommend you check the exchange rate through the maibank mobile app (Menu/ Settings/ Exchange rate) or transfer an amount of money with additional reserve to the current account. The difference remains in the current account and can be used for the next payment.
Methods of paying monthly installments:
- maibank mobile app – transfer the required amount from any card to the current account in MDL from which you pay the loan;
- internet banking - transfer the required amount from any card to the current account in MDL from which you pay the loan;
- maib cash-in ATMs - directly top-up the current account in MDL from which you pay the loan;
- maib self-service terminals - directly top-up the current account in MDL from which you pay the loan;
- any maib branch;
- by transfer from other banks directly to the current account in MDL from which you pay the loan.
take the first step
fill in the fields and we will contact you
- step 1 of 2personal data
- step 2 of 2OTP signing
sign with OTP
to confirm, enter the 6-digit code received via SMS to the number +373
congratulations!
the request has been successfully sent and will be processed from Monday to Friday, from 9:00 to 17:00.
if you apply outside office hours, on weekends or holidays, we will contact you the next working day.