Personal loan
MDL 2,500,000
Up to 60 months
from 9,0%
Credit Calculator Why to choose the personal loan?
Advantageous interest rate and transparent conditions
Available online ā receive your money easily and quickly
Favorable refinancing terms for existing loans
Up to 400,000 MDL
Annual interest rate (fixed)
Effective annual interest rate
Commission
From 51,000 MDL to 2,500,000 MDL – secured by real estate or a vehicle
Annual interest rate (mixed)
Effective annual interest rate
Commission
The mixed interest rate regime applies: fixed until June 30, 2026, and thereafter variable, composed of the reference index and the Bankās margin, for the Personal Needs loan in an amount exceeding 400,000 MDL.
The asset proposed as pledge will be insured in favor of the Bank against all risks of loss and accidental damage, for the entire period of the loan. In case of non-presentation of the proof of payment (partial or full ā as the case may be) of the insurance premium (insurance policy of the Real Estate and the confirmatory document of payment of the insurance premium) and/or the Insurerās denial of the validity of the insurance contract will refuse to grant credit.
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.
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.
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 ).
Loan repayment guarantee: Collateral and/or mortgage over movable and immovable property.
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 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.
Additionally, for the secured Personal Needs loan:
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.
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.
How to get the loan
We inform you that by contracting a loan you are responsible for its repayment.
FAQ:
The client may benefit from one or more loans, depending on the monthly income earned and the proposed collateral, as applicable.
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 Ā payment account (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 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 floating interest rate shall be changed (both for increase and reduction) twice a year: on January 1 and July 1 of each year, depending on the change in the Reference Index, without the need to sign an additional agreement to the Contract.
For the period from July 1 to December 31, the loan interest rate shall be calculated on the basis of the Reference Index published by the NBM for the month of May of the current year.
For the period from January 1 to June 30, on the basis of the Reference Index published by the NBM for the month of November of the previous year.
If the Debtor benefits from an Personal Needs loan in an amount of up to 400,000 MDL, they have the right to repay the received Loan, in full or in part, at any time, with the application of a prepayment fee.
If the Debtor benefits from an Secured Personal Needs loan, they have the right to repay the received Loan, in full or in part, at any time, without the application of a prepayment fee, unless otherwise provided in the Individual Credit 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.