Mortgage loan Prima Casă
MDL 850,000
Up to 20 years
From 7.9%
1%
Project site Monthly administration fee
Annual guarantee fee
Annual interest rate, floating
Effective annual interest rate (EAR)
Why to choose the first home loan?
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Own contribution is only 15% of the price of the house.
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For public and private sector employees, the compensation offered by the State makes up at most 50% of the loan amount.
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For families with children, the compensation offered by the State makes up at most 100% of the loan amount.
How to get the loan
Citizen of the Republic of Moldova employed in the Republic of Moldova with income from official sources.
Age up to 50 at the time of applying for the loan.
The beneficiary’s contribution will make up at least 15% of the purchase price of the home.
Employed for at least 6 months and at the current job for at least 4 months.
The sum of the monthly payments on all loans currently held with all banks and the loan requested will not exceed 50% of the cumulative net official income of the Applicant and/or his/her family.
The area of the dwelling purchased under the Program must exceed the area of the dwelling owned solely by the Applicant and/or together with other family members.
Compulsory surety of a first and second-degree relative, who is single/widowed/divorced and whose last employment is less than 12 months.
First home loan is granted to individuals for:
Purchase of residential property (apartments or individual houses), registered with the Public Services Agency with the right of ownership.
Valid identity card.
Certificate of ownership issued by the Public Services Agency.
Excerpt from the Real Estate Register for the property to be purchased.
Valuation report of the property being pledged drafted by a valuation firm approved by the Bank.
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.