In the context of the publication of the National Bank of Moldova (NBM) of December 20 2023, the reference index, used to calculate the interest rate for mortgage loans in MDL granted to individuals, decreased by 3,24 percentage points, from 7,62 percentage points to 4,38 percentage points.
As a result, maib revised the interest rate on active real estate loans, effective January 1, 2024:
- For loans granted between July 1, 2023 and December 31, 2023, the interest rate will not change. The bank had made the decision to keep the discount applied to the reference index when the loan was agreed upon.
- For loans granted up to 30.06.2023, which have a floating interest rate attached to the NBM reference index, the reference index published by the NBM on 20 of December 2023 will be applied in the amount of 4,38 percentage points.
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 January 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.
