maibank
maib business app
internet banking - individuals
new internet banking - maib business
internet Banking - BankFlex
Mortgage Loan for Property Abroad
loans calculator
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
Get financing in MDL to purchase real estate outside the Republic of Moldova.
Sometimes “home” means an apartment near your university in Iași or Bucharest. Other times, it’s a small house by the sea in Spain or Italy, where you plan to spend more time in the future, or a place of your own in the country where you’ve already been working for years.
Why choose maib’s mortgage loan for property abroad
This product is suitable if you study abroad, work in another country, or frequently return to a place you love, where you want a home of your own.
With it, you can purchase a property in Italy, Spain, or Romania, benefiting from accessible financing and a clear process tailored to your reality:
- Flexible purpose: purchase a completed residential property (Romania, Italy, Spain);
- Accepted income: you can apply regardless of where you earn your income, in Moldova or abroad;
- Multiple income sources: salary, dividends, rent, royalties, or regular transfers from relatives are accepted;
- Flexible repayment term: adapted to your long-term plans.
Important:
The collateral for the loan must be a completed residential property located in the Republic of Moldova.
No matter where you choose, your home starts with a decision.
requirements
Conditions for obtaining a mortgage loan for property abroad
Who can apply:
You can apply if you are a citizen of the Republic of Moldova and have stable, official income, regardless of the country where you work:
- salary or pension in Moldova;
- income earned abroad;
- income from dividends, rent, or royalties;
- legal professions (lawyer, notary);
- regular SEPA/SWIFT transfers and/or fast transfers from first-degree relatives.
Minimum required income:
- total monthly income must be at least 40,000 MDL (can be combined: applicant + co-borrower);
- additional income is accepted if it can be documented.
General conditions:
- minimum down payment of 30% of the property value;
- down payment must be proven (bank account or supporting documents, e.g., proof of payment to the seller);
- you must own or provide a property in Moldova to be used as collateral;
- you must provide documents confirming the intention to purchase (pre-contract, invoice, reservation agreement);
- all documents must reflect Moldovan citizenship.
Currency and loan disbursement:
- the loan is granted in MDL;
- funds are transferred to your account and then to the seller/intermediary based on provided bank details.
Important for clients working abroad:
- income must be stable and officially documented;
- transfers abroad are made in accordance with regulations and only for Moldovan citizens.
fees and terms
Financing conditions
Regardless of whether you work in Moldova or abroad:
- up to 5,000,000 MDL – for all clients;
- up to 7,000,000 MDL – for alto/private clients;
- term of up to 30 years;
- financing of up to 70% of the property value (minimum 30% down payment).
Fees:
- monthly administration fee – 0%;
- early repayment fee – 0%.
required documents
Identity document
ID card/passport.
The bank reserves the right to request additional supporting documents regarding your income.
frequent questions
Currently, the loan is available for purchasing residential property in Romania, Italy, and Spain.
Completed residential property ready for use.
A property located in the Republic of Moldova.
Yes, if your income is stable and documented.
30% of the property value.
MDL.
Yes. The loan is available only to citizens of the Republic of Moldova.
To apply for the loan, you must provide:
- a valuation report for the property purchased abroad (with the purpose stated as “credit use”);
- a valuation report for the property in the Republic of Moldova used as collateral.
Valuations must be performed by mutually agreed companies.
Income confirmation
(The same requirements apply regardless of where you work)
- For officially employed clients in Moldova: salary account statement (if required);
- For clients working abroad or freelancers: mandatory bank statement (from another bank than maib) showing salary/service income. Additionally: employment contract or other supporting documents and, if applicable, tax declarations. Payslips are not accepted without a bank statement;
- For clients with dividends: financial statements (current and previous year), dividend distribution decision, and account statement;
- For legal professions: account statement with income; notaries must also provide expense documents;
- For copyright income: contract and bank statement;
- For rental income: valid lease agreement (registered with tax authorities) and proof of payments or account statement.
The bank reserves the right to request additional documents during the analysis process.
After the loan is granted, the property in Moldova used as collateral must be insured.
- insurance is mandatory by law;
- cost depends on the property;
- optional additional insurance can be purchased.
Monthly repayments
Your monthly payment date is important.
To repay your loan:
- fund your current account according to the repayment schedule;
- the payment is automatically deducted.
You can make payments via:
- maibank app;
- bank transfer;
- MIA payment system.
Collateral insurance details
Insurance applies to the property in Moldova used as collateral and provides:
- financial protection;
- repayment continuity;
- peace of mind.
The property is insured at replacement value and the policy must be renewed annually throughout the loan term.
take the first step
fill in the fields and we will contact you
- step 1 of 2 personal data
- step 2 of 2 OTP signing
sign with OTP
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.