prima casă loan

closer to your home!
800 000 MDL
up to 25 years
prima casă loan

loans calculator

requested amount
choose the term
Fără gaj
Vârsta de la 20 ani
Doar cu buletinul
Rata fixă

our offer

monthly payment
total credit amount
2 922 273.15 MDL
interest rate
effective annual interest rate
type of interest rate

this credit implies your legal responsibility and must be repaid. Verify your repayment capacity before signing the credit contract.

apply now Payment schedule pre-contractual information general credit terms and conditions

the amount shown is indicative and does not represent a contractual commitment by maib

about the loan

Prima Casă – is a government project, through which you can buy a house in an old or new building, as well as opt for a house in any locality in the Republic of Moldova.

Advantages of the program:

  • the mortgage of the property purchased at the insurance level of at least 70% of the loan amount;
  • insurance offered by the Government in the amount of 50% of the credit balance;
  • your and your family members’ income is taken into account;
  • surety of the spouse or first-degree relatives, if necessary;
  • a 25% discount is applied to the insurance premium.

For a loan of 600 000 thousand MDL, for a period of 25 years, at an interest rate of 7.38%, the monthly payment will be 4487.09 MDL. The EAR will be 8.03% and the total amount payable will be 1 352 130.03 MDL.

The interest rate for loans granted under the "Prima Casă" program is floating, consisting of the reference rate of 4.38 percentage points for the "Prima Casă" program published by the National Bank of Moldova (BNM) and the bank's margin of 3% (the maximum margin size, approved by the Ministry of Finance), set at the date of the loan grant according to the current Policy on prices for banking products and services offered to retail clients.
For floating rate loans, the interest rate changes twice a year, on January 1 and July 1, depending on the evolution of the reference index published by the NBM.

For additional information, call the Contact Center at 022 855 185 / 022 855 155, on weekdays from 8 AM to 5 PM.


Applicant eligibility criteria:

  • an individual who does not own a property;
  • an individual who owns a real estate property, but its area does not exceed the area of the real estate purchased within the Program;
  • aged between 18 and 50 years;
  • seniority of at least 6 months at the current employer;
  • average monthly net salary – 3000 MDL. Income of family members is accepted.

Eligibility criteria for real estate:

  • it is finished, put into operation and registered with the Public Services Agency;
  • has no hidden defects, material or legal issues;
  • is not encumbered with a mortgage or other third party rights.


You can get:

  • a loan up to 800 000 MDL;
  • for a term up to 25 years;
  • own contribution from 20% of the cost of housing.


  • single commission for granting the loan – 1%;
  • guarantee commission for ODIMM – 0.25% annually from the credit balance;
  • early repayment fee – 0%.

required documents

The bank reserves the right to request supporting documents regarding your income in order to meet the prudential requirements specific to banking.

Request the evaluation report online
List of evaluators

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

List of evaluators.

Once you have obtained a mortgage loan, it's important to insure the mortgaged property. There are two main types of insurance you can consider: mandatory home insurance and optional home insurance. The mandatory one is required by law and is necessary for all mortgaged homes. Optional insurance is a personal choice, but it can help you better protect your investment.

frequent questions

The building needs to be finished, put into operation and registered with the Public Services Agency.

The annual effective interest rate (EAR) or the total cost of the loan varies depending on the amount and repayment term of the loan.

Enter your phone number

A mortgage specialist will contact you to discuss the options available to you

  • step 1 of 2 personal data
  • step 2 of 2 OTP signing
we guarantee the security of the information provided when completing the online application

sign with OTP

to confirm, enter the 6-digit code received via SMS to the number +373

Your application has been successfully registered. We will get in touch with you within one day.

Attention! Applications are processed Monday to Friday, between 09:00 and 17:00

Acest site folosește cookies. Prin continuarea navigării, îți exprimi acordul asupra folosirii cookie-urilor.