Unsecured personal loan
per applicant:
MDL 400,000
Up to 60 months
from 9% (fixed)
Credit Calculator Annual interest rate
Effective annual interest rate
Commission
*Preferred customers ā individuals who meet one of the following conditions: receive their salary and/or pension through BC āMoldindconbankā S.A. cards; good credit history; Premium customers, who have a World Elite card.
Why to choose the unsecured personal loan?
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You benefit from an advantageous interest rate and transparent conditions.
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You refinance existing loans at more favorable conditions.
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You receive the money quickly.
How to get the loan
Resident of the Republic of Moldova: a citizen of the Republic of Moldova, a foreign citizen or a person without citizenship (stateless person), with permanent residence in the Republic of Moldova, who has an appropriate identity document, issued by the competent authorities of the Republic of Moldova, valid at the time of applying for loan.
Age between 20 and 70 ( age up to which the loan can be repaid).
Employed for at least 6 months and at the current job for at least 4 months.
Ownership of property (residential, building or agricultural land , gardens), without prohibitions or Co-debtor/Guarantor (if the loan amount is larger than MDL 200,000 ).
Valid identity document.
No supporting documents are required for persons working at institutions that submit income information to the State Tax Service.
For persons working at institutions that are not required to submit information to the State Tax Service:
Bank statement from the salary card account (issued by any bank from the Republic of Moldova) or Ā income verification letter.
Other documents from official sources held by public authorities, money transfers that can be confirmed by documents, etc.
Pensioner’s ID card with compulsory indication of current pension and bank statement of the account to which the pension is transferred.
Statement certifying the income obtained from licensed/authorized activities – for bailiffs, lawyers, notaries, interpreters and authorized translators, including bank statement for the last 6 months.
Other documents, as the case may be.
Unsecured personal loan is granted to individuals to cover expenses for:
Current needs that are not contrary to the legislation in force (e.g.: health, education, tourism, home improvement, other unlisted purposes etc.).
Refinancing of the loans granted by other banks and/or other non-bank financial institutions from the Republic of Moldova.
Compare loan products
*Representative example (preferred customer): For a loan of 50 000 MDL, contracted for a period of 60 months, the annual interest rate (fixed) will be 9%, monthly payment – 1 035,0 MDL, effective annual interest rate – 9,37%, and total amount to be repaid – 62 099,82 MDL.
We inform you that by contracting a loan you are responsible for its repayment. Thus, we recommend that you check your ability to pay. Manage your money carefully. Make sure you pay your loan on time.
FAQ:
The maximum cumulative amount of the requested credit and the balances of unsecured loans with pledge, contracted with BC “Moldindconbank” S.A., shall not exceed the amount of 400 000 lei, depending on the monthly income obtained.
The application can be submitted online, on the website or at any subdivision of the Bank.
The loan is repaid monthly through the mobile application, Web Banking, at Cash-In ATMs or at any subdivision of the Bank.
The money from the loan Ā can be received Ā in cash or by transfer to the current account (card account) at the subdivision where the loan application was submitted.
If you receive your salary/pension on the card issued by Moldindconbank, you benefit from preferential interest.
The interest is charged to the balance of the loan to date and is calculated daily Ā from the date of disbursement of the loan up to and including Ā the date of full repayment of debt on the loan, based on the 365-day calendar year Ā (366 days in a leap year). If the Loan Agreement provides for a grace period for interest calculation, the interest is calculated from the date immediately following the last day of the grace period set out in the Individual Loan Agreement.
For Loan Agreements with a fixed interest rate, the interest rate shall not change during the term of the Loan Agreement.
The debtor may repay the loan at any time, in advance, in whole or in part, being charged with the early repayment fee.
If the date of payment according to the repayment schedule is a non-business day, the Borrower may make that payment on the immediately following business day, in which case the balance of the credit will be reduced on that date. At the same time, the Borrower may ensure the transfer of funds to the Current Account related to the credit opened with the Bank, on the business day prior to the date of payment according to the schedule, in order to reduce the credit balance exactly on the date indicated in the payment schedule and to further calculate the interest on the reduced balance.