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Fixed-rate mortgage loan
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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.
the amount shown is indicative and does not represent a contractual commitment by 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, regardless of whether you work in Moldova, abroad or you receive money transfers from your loved ones monthly.
Calculation example:
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 fixed and consists of the BNM index of 5.82% and the bank's margin of 5,20%, 4,10% or 3,75%. For certain types of offers, the bank may grant temporary reductions to the reference index, which are expressly described in the credit agreement.
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.
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;
commission fees
If you work on the territory of the Republic of Moldova or abroad:
- up to 7 000 000 MDL ;
- for a period of up to 30 years;
- Financing up to 100% of the cost of housing;
- DAE eur - 7,76%;
Mortgage fees:
- monthly administration fee - 0%;
- 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 by the parties.
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 or salary certificate.
- 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). In the case of dividends paid in cash, documents confirming their issue and proof of payment of taxes will be required.
- 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.
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.
The day you pay your monthly installments is an important one. Below, we have prepared some payment recommendations for you.
How do I pay my monthly loan instalments?
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 maib.
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
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- step 1 of 2 personal data
- step 2 of 2 OTP signing
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to confirm, enter the 6-digit code received via SMS to the number +373
if you apply outside office hours, on weekends or holidays, we will contact you the next working day.