Secured personal loan
MDL 2,500,000
Up to 60 months
From 9.24%
Credit Calculator One-time granting fee
Monthly administration fee
Annual interest rate, floating
Effective annual interest rate (EAR)
* Preferred customers – individuals with good credit history and/or individuals who receive their salary and/or pension on Moldindconbank cards.
Why to choose the secured 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.
Secured personal loan is intended to cover expenses for:
Any purpose that is not contrary to the legislation in force (e.g.: purchases of vehicles, non-residential property improvement, education, other current needs).
Refinancing of the loans granted by other banks/non-bank financial institutions.
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 the 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 the bank statement for the last 6 months.
Title deed of property (as the case may be).
Valuation report of the property being pledged drafted by a valuator approved by the Bank (as the case may be).
Loan security documents.
Other documents, as the case may be.
Compare loan products
FAQ:
The customer can hold from one to several loans, depending on the monthly income earned.
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 can be received in cash or by transfer to the current 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 from the date of disbursement of the loan up to and including the date of full repayment of debt on the loan, based on the 365-day calendar year (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.
The Bank may unilaterally change the amount/rate of the floating interest, depending on the change in the reference index established according to the methodology of the National Bank of Moldova and/or depending on the base rate of the National Bank of Moldova, and/or depending on the inflation rate, and/or depending on the evolution of the banking and non-banking financial market.
In case of change in the amount of the interest rate on the loan, the Bank shall make public the information about the change in the interest rate by placing a relevant announcement on the website and at all the subdivisions of the Bank, at least 15 days before the change comes into force. In the same period of at least 15 days before the change comes into force, the Bank shall notify the (Co-)Debtor via e-mail or phone number (SMS), via Bank’s communication or remote service systems (e.g.: MICB Web/Mobile banking), or by registered letter (if the (Co-)Debtor does not have an e-mail, a mobile phone or is not subscribed to the remote service systems) about the change in the amount of interest. As the case may be, the Bank shall provide other information related to that change according to the legislation in force. The new amount of interest will be charged to the existing balance of the loan on the date of change.
The debtor may repay the loan at any time, in advance, in whole or in part, without being charged with the early repayment fee, unless otherwise provided in the Individual Loan Agreement.
If the date of the payment is a day-off officially provided by the legislation of the Republic of Moldova, that payment shall be made on the next business day.