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prima casă plus 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.
pre-contractual informationthe amount shown is indicative and does not represent a contractual commitment by maib
about the loan
Imagine the joy of opening the door to your home- a place where you'll create memories and plan a future just as you envision it. With maib by your side, your dream can become a reality. Explore the new program, "Prima Casă Plus", designed especially for you.
Prima Casă Plus – 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:
- 0% down payment for purchasing a home;
- multiple income categories are accepted (e.g., notaries, lawyers, judicial executors, freelancers, etc.);
- loan amount up to 2,500,000 lei;
- 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%, 65% or 70% of the credit balance;
- your and your family members’ income is taken into account;
- surety of the spouse or first-degree relatives, if necessary.
For a loan amount of MDL 1,800,000 with a 30 years repayment period and an interest rate of 8.66%, the monthly payment will be MDL 14,311.27. An ODA guarantee fee of 0.20% of the outstanding monthly loan balance also applies. The Annual Percentage Rate (APR) will be 9.35%, and the total amount payable will be MDL 5,170,052.17.
The interest rate for the Prima Casă loan is floating and consists of a reference index of 5.66 percentage points, determined based on the weighted average interest rate on new deposits attracted in the national currency across the banking sector with maturities from 6 to 12 months, as published by the National Bank of Moldova, and a bank margin of 3% (approved by the Ministry of Finance), fixed on the date the loan is granted in accordance with the applicable Pricing Policy for Banking Products and Services offered to retail customers. For loans with a floating interest rate, the interest rate is revised twice a year — on 1 January and 1 July — depending on the reference index published by the National Bank of Moldova.
Transform your dreams into reality! Request a consultation by phone or visit any maib branch.
requirements
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 50 square meters;
- an individual who owns a real estate property acquired through the "Prima Casă" program, provided that the area of the property does not exceed 50 square meters;
- aged акщь 18 years;
- 3 months with the current employer and a total work experience of at least 6 months;
- average monthly net salary – 6000 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.
Explore all maib mortgage solutions and choose the loan that best fits your housing plans.
rates
You can get:
- a loan up to 2 500 000 MDL;
- for a term up to 30 years;
- 0% own contribution of the cost of housing.
Commissions:
- single commission for granting the loan – 1%;
- guarantee commission for I.P. ODA – 0.4% per year of the state guarantee 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.
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 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 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.
- The credit agreement with the payment schedule;
- The mortgage agreement for the credit to be refinanced;
- Certificate from ASP regarding the ownership/lack of ownership of real estate by the applicant and co-borrower, if applicable;
- Civil status certificate (if applicable) — marriage/divorce;
- Employment contract/employer’s confirmation letter.
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
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.
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