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commercial mortgage
we finance businesses with a sustainable footprint
up to 50 mln. lei
up to 100%
up to 12 years
despre
The Commercial Mortgage Loan is designed to finance the purchase, construction/finishing/reconstruction or refinancing of commercial, industrial and manufacturing real estate used for business purposes.
In addition, if you choose to invest in sustainable and energy efficient commercial real estate projects, you have access to the green option - with additional benefits and support for a sustainable future.
Conditions:
Loan amount:up to MDL 50,000,000.
Financing up to 100% of the project value (excluding VAT), if the client provides additional collateral.
Currency: MDL, EUR, USD.
Term:
For the purchase of commercial, industrial or manufacturing real estate, including land for construction:
- up to 80% of the value of the financed real estate (excluding VAT), in the case of credit granted for a term of up to 60 months;
- up to 70% of the value of the financed real estate (excluding VAT), if the credit is granted for a term of more than 60 months;
- up to 100% of the value of the financed real estate (excluding VAT) if the customer provides additional collateral.
For the construction / finishing / reconstruction of commercial, industrial or manufacturing real estate:
- up to 100% of the value of the financed project (excluding VAT).
Standard commercial mortgage
Investments in commercial real estate projects as follows:
- purchase of commercial, industrial or manufacturing real estate, including land for construction, located on the territory of the Republic of Moldova;
- construction / finishing / reconstruction of commercial, industrial or manufacturing real estate located on the territory of the Republic of Moldova;
- retroactive financing of investments made in the last 12 months for the purpose of purchasing commercial, industrial or manufacturing real estate, including land for construction, located on the territory of the Republic of Moldova;
- refinancing mortgage/investment loans granted for the above purposes.
Green commercial mortgage
Investments in sustainable and energy-efficient commercial real estate projects as follows:
- purchase of commercial, industrial or manufacturing real estate, ecologically certified, located on the territory of the Republic of Moldova;
- construction / finishing / reconstruction of commercial, industrial or production real estate, ecologically certified / energy efficient, located on the territory of the Republic of Moldova;
- retroactive financing of investments made in the last 12 months for the purchase of commercial, industrial or manufacturing real estate, ecologically certified, located on the territory of the Republic of Moldova;
- refinancing mortgage/investment loans granted for the purposes indicated above.
Advantages
term up to 12 years
flexibility in use
competitive interest
also available for green projects
grace period
currency of your choice
How to apply for an online loan?
01
Fill in the online form
02
The bank approves the loan at a distance
03
The customer gets the loan and pays
tarife
The floating interest rate is determined on the basis of the benchmark index or the cost of funds (in the case of International Financial Organizations' resources). It is determined when the loan is granted and depends on the financial segment and rating, the loan collateral and the lending source.
Fees and commissions charged by maib to lending products.
documente necesare
Standard commercial mortgage
- company incorporation documents (except for maib clients );
- business plan or financial projections (forecasts) demonstrating the feasibility and potential impact of the investment project;
- other documents that may be required by the bank.
For green loans:
- energy performance certificate in case of purchase of real estate;
- preliminary energy performance certificate in case of construction / finishing / reconstruction of real estate;
- energy audit report (if applicable);
- international green certificate (if applicable).
pledge registration
Description:
To simplify financing businesses, we decided to take over some of their responsibilities by launching the pledge registration through maib service.
How it works:
The service implies the registration of the mortgage right in favour of the bank in the Real Estate Register, for loan applications with a pledge of up to 3,000,000 MDL. The commission for this service is 1000 MDL/Cadastral number, regardless of the value of the pledged property.
Fees/Price:
The price for the pledge registration service through maib service is 1.000 MDL/Cadastral number
Benefits:
- The registration service offered by maib allows the disbursement of balances on the same day as the submission of the loan application and the application for pledge registration through maib.
- It is no longer necessary to go to the PSA to submit the documents for registering the pledged asset.
- The price for registering the mortgage right in favour of the bank in the Real Estate Register from PSA, within one working day, is 1.100 MDL/Cadastral Number. In contrast, the commission for the pledge registering service through maib is 1.000 MDL/ Cadastral number.
Requirements:
- The pledge registration service through maib can only be used for cadastral numbers not already pledged or encumbered with a mortgage or not owned by third parties and not undergoing foreclosure proceedings.
- The maximum amount of loan for which the pledge registration service from maib can be used is 3 million MDL.
- The service is only available in addition to pledged loan applications and cannot be used separately from the loan products offered by maib
frequent questions
When you fill in the loan application, you can also request the pledge registration service through maib.
Registering pledge through maib can only be used complementary to pledged loan applications and cannot be used as a "separate service".
Immediately after confirming the credit request, the documents will be notarized, and on the same day, the balances will be disbursed to the company's account.
- The registration service offered by maib allows the disbursement of balances on the same day as the submission of the loan application and the application for pledge registration through maib.
- It is no longer necessary to go to the PSA (Public Services Agency) to submit the documents for registering the pledged asset.
- The price for registering the mortgage right in favour of the bank in the Real Estate Register from PSA, within one working day, is 1.100 MDL/Cadastral Number. In contrast, the commission for the service of registering the real pledge through maib is 1.000 MDL/ Cadastral number.
A power of attorney is not required to apply for the pledge registration service through maib.
There are no hidden fees for the pledge registration service through maib.
The registration of pledge through maib can only be used complementary to pledged loan applications. It cannot be used as a separate service.
The service is available in all branches of the bank in Chișinău and is in force only for cadastral numbers in Chișinău jurisdiction.
The requirements for registering the pledge through maib:
The service may only be used for cadastral numbers not already pledged or encumbered with a mortgage or not owned by third parties.
The maximum amount of loan for which the registration service can be used is MDL 3 million.
The price for the pledge registration service through maib is 1.000 MDL/Cadastral number.
The bank can register the mortgage right in the Real Estate Register, and the money will be transferred to the company's account on the same day the application is submitted.
submit your online credit application
fill in the fields below
submit your online credit application
introdu codul OTP primit la numărul de telefon +373
- step 1 of 2 legal entity data and credit details
- step of 2
Received!
the request has been successfully sent and will be processed from Monday to Friday, from 9:00 to 17:00.
if you apply outside office hours, on weekends or holidays, we will contact you the next working day.