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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
Have you taken out a loan to buy the home of your dreams, and now you can hardly afford the monthly payments? Because we understand you and we want to make it easier for you, we invite you to refinance your mortgage loan from another institution, in better conditions.
Pay a lower monthly rate for the refinanced loan!
Calculation example:
For a loan of 30,000 USD over a period of 20 years, at an interest rate of 8.85%, the monthly payment will be 267.18 USD. The annual percentage rate (DAE) will be 9.22%, and the total amount due will be 64,124.11 USD.
For a loan of 30,000 EUR over a period of 20 years, at an interest rate of 8.56%, the monthly payment will be 261.63 EUR. The annual percentage rate (DAE) will be 8.90%, and the total amount due will be 62,792.44 EUR.
For a loan of 800,000 MDL over a period of 20 years, at an interest rate of 8.30%, the monthly payment will be 6 845,35 MDL. The annual percentage rate (DAE) will be 8.62%, and the total amount due will be 1,642,886.28 MDL.
The interest rate for mortgage loans issued in MDL is floating and consists of the BNM index of 5,57% and the bank's margin of 3,43%, 2,73% or 2,38%. For certain types of offers, the bank may grant temporary reductions to the reference index, which are expressly described in the credit agreement. For loans issued in EUR, the interest rate is formed from the international reference index EURIBOR 6M at 4,12%and the bank's margin of 4% or 4,5%.
For loans issued in USD, the interest rate is formed from the international reference index SOFR at 4,12% and the bank's margin of 4% or 4,5%.
In the case of loans with a variable rate, the interest changes twice a year, on January 1 and July 1, depending on the reference index published by the BNM and other official international sources. For additional information, call the Contact Center at 022 855 185 / 022 855 155, on weekdays from 8 AM to 5 PM.
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 income other than salary/pension:
- 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;
- you have income as an Independent Entrepreneur.
Explore all maib mortgage solutions and choose the loan that best fits your housing plans.
commission fees
Easier to decide:
The offer includes:
- up to 7 000 000 MDL;
- for a term of up to 30 years.
required documents
The bank reserves the right to request supporting documents regarding your income in order to meet the prudential requirements specific to banking.
To submit the loan application, you need the real estate valuation report, completed by a company approved by the bank.
- For clients officially employed in the RM: if necessary, salary account statement.
- For clients employed abroad or freelancers from abroad, a bank card statement (at a bank other than maib) must be presented, showing the salary and/or service receipts. In addition, the employment contract or any other document proving the employment/provision of services and the declaration on the payment of taxes on the income received must be presented (if applicable, but if there are such documents, it would be better to present them in original to the bank). Py slips are not accepted without a salary card statement.
- For clients with dividends: financial statements for the current and previous year, shareholders' minutes of distributing dividends, and bank statements showing dividend receipts (if received at a bank other than maib).
- For clients practising one of the legal professions: statement of the account where the income is received. For notaries, accounting documents attesting to the expenses of the notary's office must also be submitted.
- For clients with copyright assignment income: copyright assignment contract/certificate of the amount of income and statement of the bank account where the income is received.
- For clients with income from rent/rent/lease: valid rent/rent/lease contract (registered with the SFS) and Release Orders/Payment slips for rent/rent/lease payments or statement of the account opened with maib or other financial institution, either in electronic or paper format.
- the statement of account is submitted in electronic format or on paper signed/stamped only if the income is received through banks in the RM other than maib.
- the bank has the right to request any other document in analysing and approving the client's request.
- For clients earning income from Independent Entrepreneur activity, the following documents are required:
• income tax declaration;
• tax payment notice;
• confirmation of no outstanding tax liabilities;
• confirmation of official registration as an Independent Entrepreneur with the Public Services Agency (ASP);
• account statement for the account used for Independent Entrepreneur activity for the last 12 months.
- The credit agreement with the payment schedule;
- The mortgage agreement for the credit to be refinanced.
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. Its cost is on average 1000 MDL, depending on the mortgaged property. Optional insurance is a personal choice, but it can help you better protect your investment.
frequent questions
Submit a request in this regard on the website www.ipoteca.maib.md. You will soon be contacted by a specialist, who will answer all your questions and initiate the refinancing procedure.
Da, ai putea să refinanțezi creditul ipotecar la maib.
Depune o cerere online pe www.ipoteca.maib.md sau te așteptăm la orice sucursală maib cu buletinul de identitate.
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.
How do I pay my monthly loan instalments?
You have 4 ways to pay the monthly instalments:
- by topping up the card at an ATM
- by transferring funds to the current account designated for loan repayment via the maibank app
- by transferring funds using bank details
- via the MIA payment system to the current account
Following the provisions of Article 729 of the Civil Code (republished in the Official Monitor no. 66-75 of 01.03.2019), the mortgager is obliged to ensure the object of the mortgage for the benefit of the mortgagee, at replacement value, against all risks of fortuitous loss or damage.
The property's insurance saves the mortgage debtor from considerable expenses when the insured risk occurs.
Insured risks:
- fire, explosion;
- natural calamities: lightning, storm, hurricane, tornado, flood, the appearance of groundwater, overflow, ice movements, earthquake, sleet, snow, hail, landslides;
- external actions occurred as the result of the collision, injury, or action of animals;
- unlawful actions of third parties: intentional theft, damage or destruction; breaking of glass, showcases as a result of unforeseen and/or deliberate acts of third parties;
- other risks.
Insured amount: The property is insured at the replacement value of the pledged building.
Insurance period: 12 months