In the context of the publication of the National Bank of Moldova (NBM) of June 20 2024, the reference index, used to calculate the interest rate for mortgage loans in MDL granted to individuals, from 4,38% to 3,46%.
As a result, maib revised the interest rate on active real estate loans, effective July 1, 2024.
It is important to know that if you contracted a mortgage loan during the period from 27.05.2024 to 30.06.2024, with an interest rate of 7.45% and an amount greater than 1,700,000 MDL, the interest rate will not change, as the index applied for this interest rate is reduced and is equal to 3.45%. Therefore, the bank has decided to maintain the interest rate until 31.12.2024 and has not applied the 0.01 percentage point increase according to the published reference index, which is equal to 3.46%.
Check how much the interest rate will be with a simple calculation:
Interest rate = reference index + bank margin (you will find the figure in the copy of your loan agreement).
From July 1, 2024, the new monthly loan repayment schedule will be available at the branch and/or in the maibank mobile app.
We remind you that for floating rate loans, the interest rate changes twice a year, on January 1 and July 1, depending on the reference index published by the NBM.
More information about the new loan rates can be obtained in maib branches or by calling 1313.
