Smart Loan
MDL 200,000
Up to 24 months
0%
0%
0%
From 0/16/17.5%
Monthly administration fee (Basic)
Effective annual interest rate (EAR) – Basic (12 months)
Effective annual interest rate (EAR) – Basic (24 months)
Effective annual interest rate (EAR) – Gold
How to get the smart loan
Visit the partnerās store.
Find out the conditions for obtaining the loan and request the invoice for the goods to be bought.
Come to any branch.
Submit the documents, sign the loan agreement and take the payment document.
Receive the good at the partner’s store or the desired service.
See the list of partners here.
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 Ā the loan can be repaid).
Employed for at least 6 months and at the current job for at least 4 months.
Individual without negative credit history.
Ownership of property (residential, building or agricultural land, gardens), without prohibitions (if the loan amount is larger than MDL 100,000).
Smart loan is granted to individuals to cover expenses for:
Purchase of any good offered by the Merchant.
Valid identity card.
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.
Pensioner’s ID card with compulsory indication of current pension, and the 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.
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 Ā can be received Ā 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 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.
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 Ā 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, Ā 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.