Acum loan
MDL 50,000
Up to 60 months
From 27%
Credit Calculator Annual interest rate
Effective annual interest rate*
Commission
*Calculation made for the amount of 10,000 lei for a period of 24 months.
Why to choose the instant loan?
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You get the loan based only on your identity document.
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You receive the money quickly, in at most 30 minutes.
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 the standard retirement age ( age up to which the loan can be repaid).
No negative credit history.
Valid identity card.
Instant loan is granted to individuals to cover expenses for:
Current needs, which are not contrary to the legislation in force (e.g.: health, education, tourism, home improvement, etc.).
Refinancing of the loan granted by other banks and/or other non-bank financial institutions from the Republic of Moldova.
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*Representative example: For a loan of 50 000 MDL, contracted for a period of 60 months, the annual interest rate (fixed) will be 27,00 %, monthly payment – 1526,77 MDL, effective annual interest rate – 30,59%, and total amount to be repaid – 91516,67 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 customer can hold from one to several loans, depending on the monthly income earned.
The application can be submitted online, on the website www.micb.md 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.
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, unless otherwise provided in the Individual Loan Agreement.
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.