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this credit implies your legal responsibility and must be repaid. Verify your repayment capacity before signing the credit contract.
the amount shown is indicative and does not represent a contractual commitment by maib
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The most beautiful place is at home!
Mornings start differently when you're at home. The view from the window inspires you, the children play in their room, and the coffee has a different taste because you can enjoy it in your own kitchen.
The mortgage loan can be contracted not only for the purchase of a house, but also for other purposes:
- purchase of real estate;
- purchasing a plot of land for building an individual dwelling house;
- building an individual dwelling house;
- modernization of the existing home (finishing, extension).
You get the money you need, regardless of whether you work in Moldova, abroad or you receive money transfers from your loved ones monthly.
Calculation example:
For a loan of 30,000 USD over a period of 20 years, at an interest rate of 9.85%, the monthly payment will be 286.66 USD. The annual percentage rate (DAE) will be 10.31%, and the total amount due will be 68,795.27 USD."
For a loan of 30,000 EUR over a period of 20 years, at an interest rate of 10.26%, the monthly payment will be 294.82 EUR. The annual percentage rate (DAE) will be 10.76%, and the total amount due will be 70,760.34 EUR.
For a loan of 800,000 MDL over a period of 20 years, at an interest rate of 7.80%, the monthly payment will be 6 594,76 MDL. The annual percentage rate (DAE) will be 8.08%, and the total amount due will be 1,582,739.84 MDL.
The interest rate for mortgage loans issued in MDL is floating and consists of the BNM index of 3.46% and the bank's margin of 5.44%, 4.34% or 4.00%. For certain types of offers, the bank may grant temporary reductions to the reference index, which are expressly described in the credit agreement.
For loans issued in EUR, the interest rate is formed from the international reference index EURIBOR 6M at 3.76% and the bank's margin of 6.5% or 7%.
For loans issued in USD, the interest rate is formed from the international reference index SOFR at 5.35% and the bank's margin of 5% or 4.5%.
In the case of loans with a variable rate, the interest changes twice a year, on January 1 and July 1, depending on the reference index published by the BNM and other official international sources.For additional information, call the Contact Center at 022 855 185 / 022 855 155, on weekdays from 8 AM to 5 PM.
requirements
If you work on the territory of the Republic of Moldova:
Mortgage MDL
- have a net monthly salary or a confirmed income of at least 6000 MDL;
- you have had a stable job in the last 6 months.
Mortgages are granted in MDL, so the monthly instalment does not depend on the exchange rate.
Mortgage EUR / USD
- have a net monthly salary in EUR or USD;
- you have had a stable job in the last 12 months.
The value of the mortgage loan is established in foreign currency, but the funds are issued in lei, according to the maib exchange rate for non-cash operations.
The monthly rate is paid in lei. The payment is converted into foreign currency at the exchange rate for non-cash transactions, according to the approved repayment plan in euros or dollars.
If you are a migrant worker:
- you are officially active abroad;
- you have a net monthly salary of at least 1000 euros, confirmed in the last 12 months.
If you have income other than salary/pension:
- you have one of the following legal professions: lawyer, notary, bailiff, judicial expert, translator, mediator, registrar;
- you receive money transfers from abroad from first degree relatives;
- you receive dividends as the founder of a company registered on the territory of the Republic of Moldova;
- you have income from renting a property;
- you have income from copyrights, royalties;
commission fees
If you work on the territory of the Republic of Moldova or abroad:
- up to 5 000 000 MDL (euro / dollar equivalent);
- for a period of up to 30 years;
- Financing up to 100% of the cost of housing;
- DAE eur - 7,76%;
Mortgage fees:
- monthly administration fee - 0%;
- early repayment fee - 0%;
required documents
The bank reserves the right to request supporting documents regarding your income in order to meet the prudential requirements specific by the parties.
To submit the loan application, you need the real estate valuation report, completed by a company approved by the bank.
- For clients officially employed in the RM: if necessary, salary account statement or salary certificate.
- For clients employed abroad or freelancers from abroad, a bank card statement (at a bank other than maib) must be presented, showing the salary and/or service receipts. In addition, the employment contract or any other document proving the employment/provision of services and the declaration on the payment of taxes on the income received must be presented (if applicable, but if there are such documents, it would be better to present them in original to the bank). Py slips are not accepted without a salary card statement.
- For clients with dividends: financial statements for the current and previous year, shareholders' minutes of distributing dividends, and bank statements showing dividend receipts (if received at a bank other than maib). In the case of dividends paid in cash, documents confirming their issue and proof of payment of taxes will be required.
- For clients practising one of the legal professions: statement of the account where the income is received. For notaries, accounting documents attesting to the expenses of the notary's office must also be submitted.
- For clients with copyright assignment income: copyright assignment contract/certificate of the amount of income and statement of the bank account where the income is received.
- For clients with income from rent/rent/lease: valid rent/rent/lease contract (registered with the SFS) and Release Orders/Payment slips for rent/rent/lease payments or statement of the account opened with maib or other financial institution, either in electronic or paper format.
- the statement of account is submitted in electronic format or on paper signed/stamped only if the income is received through banks in the RM other than maib.
- the bank has the right to request any other document in analysing and approving the client's request.
Once you have obtained a mortgage loan, it's important to insure the mortgaged property. There are two main types of insurance you can consider: mandatory home insurance and optional home insurance. The mandatory one is required by law and is necessary for all mortgaged homes. Its cost is on average 1000 MDL, depending on the mortgaged property. Optional insurance is a personal choice, but it can help you better protect your investment.
frequent questions
Now you have access to remote mortgage specialists with a single click.
Schedule a free video consultation with the banking specialists, who will answer all your questions.
Interest rates on mortgages linked to a reference index change twice a year, on January 1 and July 1. Determining the interest rate depends on the change in the reference index to which the interest rate is linked.
For loans in MDL, the interest rate is formed of the fixed margin (indicated in the contract) and the NBM reference index calculated for May (changes in July) and November (changes in January). The NBM reference index is calculated as the average rate of deposits attracted in MDL with a 6-12 months term for the entire banking sector. The National Bank of Moldova publishes the reference index on the 20th day of each month and can be found on the NBM website, statistics and publications section.
For loans in EUR, the interest rate is formed of the fixed margin indicated in the contract and the reference index EURIBOR6M, published on www.euribor-rates.eu.
For USD loans, the interest rate is formed of the fixed margin indicated in the contract and the SOFR reference index, published on www.global-rates.com.
The interest rate that will apply for January 1 to June 30 will depend on the EURIBOR 6M / SOFR rate in force on the first working day of December of the previous year, and for July 1 to December 31 will depend on the EURIBOR 6M / SOFR rate in force on the first working day of June, the current year.
To inform its customers, the Bank shall publish a notice on the interest rate evolution on its website at least 10 days before each interest rate change.
Yes! You have the possibility to request and pay the valuation of your property directly to maib.
When drafting the valuation report, costs may vary depending on the valuation company chosen and the property selected. Typically, prices for the valuation report are within the following limits:
For the valuation of an apartment, the cost can start from 1100 MDL - for the valuation of a house, the price can go up to 3000 MDL.
The costs incurred by the buyer at the notary include the payment for notarial services, which is the amount charged by the notary for drawing up and authenticating the sale-purchase contract and the mortgage contract.
The cost of these notarial services depends on the value of the transaction and the complexity of the documents and is calculated following the fees laid down by the legislation in force.
Value of the sale-purchase transaction
In addition to the property's price, the buyer must pay the state tax for the transfer of ownership and the notary's fee for authentication services for the sale-purchase contract.
The state fee for transferring private ownership of apartments is 0.5% of the contract value but not less than the value indicated in the real estate register. The buyer must pay this fee at the time of the authentication of the sales contract.
Mortgage transaction value
When the mortgage contract is authenticated, the value of the transaction is determined by the parties. The amount of the payment for the authentication of sale and mortgage transactions is calculated according to the value of the transaction as follows:
Individuals
up to 20,000 MDL = 1.3%, but not less than 180 MDL
20,001 - 50,000 MDL = 1.0%.
50,001 - 100,000 MDL = 0.9%.
100,001 - 200,000 MDL = 0.8%.
200,001 - 400,000 MDL = 0.6%.
400.001 - 600.000 MDL = 0,5%
600.001 - 800.000 MDL = 0,3%
800.001 - 1.000.000 MDL = 0,2%
from 1.000.001 MDL = 0,1%
authentication of the transaction - 120 MDL
Calculation example:
1% of the cost of the apartment indicated in the sale-purchase contract (EUR 50,000*1% = EUR 500 (state tax + notary fee)), and approximately 0.6% of the mortgage amount (which is not equal to the amount of the loan, but is higher by at least 20%)/
Charges may vary depending on the notary chosen.
To properly register property and mortgage, you must consider the variation of amounts depending on the registration period.
Value of the sale-purchase transaction
10 working days : between 130 MDL and 260 MDL;
3 working days: 780 MDL;
1 day: 1300 MDL;
More details about the registration of the property right can be found here: Înregistrarea curentă a dreptului de proprietate | AGENŢIA SERVICII PUBLICE (gov.md)
Value of the mortgage transaction
10 working days : between 130 MDL and 260 MDL;
3 working days: 780 MDL;
1 day: 1300 MDL;
More details about the registration of the property right can be found here: Înregistrarea drepturilor reale limitate și a altor drepturi supuse înregistrării | AGENŢIA SERVICII PUBLICE (gov.md)
Fees apply for each contract and, if applicable, for each real estate separately indicated in the sale-purchase contract. If clients wish to purchase a real estate property in share, each share owner shall pay the corresponding amount separately.
Calculation example:
The costs for registering both the mortgage and the sale-purchase contract amount to approximately 2500 MDL for each client. If the clients wish to purchase real estate in shares, each share owner will pay 2500 MDL.
For the completion of the insurance policy of the asset, 0.1% of the replacement value, according to the valuation report, will be charged.
Calculation example: for 500 thousand MDL, 500 MDL will be paid
We invite you to the maib Mortgage Center, maib park premises at 127, 31 August 1989 street, where you will receive the most suitable financing solutions for the purchase of housing. At the same time, you can go to any other maib branch.
Yes, of course! Whether you are a freelancer or work for a foreign company, maib offers you the opportunity to obtain a mortgage on advantageous terms.
You have 5 ways to pay the monthly instalments:
- through the maibank mobile application;
- through internet banking;
- at Cash-In ATMs;
- at self-service terminals;
- in any branch of the bank.
The day you pay your monthly installments is an important one. Below, we have prepared some payment recommendations for you.
How to pay the monthly installments of the mortgage in MDL?
- Top-up the current account with the amount for the monthly payment, according to the repayment plan.
- The monthly payment is automatically performed from the current account on the payment day, according to the repayment plan.
How to pay the monthly installments of the mortgage in EUR/USD?
- Whether you are in the country or abroad, the amount is transferred monthly to the current account opened in MDL, and on the payment day, it is converted by the bank, according to the exchange rate for bank transfer operations (transfer transactions).
- The monthly payment is automatically performed from the current account on the payment day, according to the repayment plan.
- The exchange rate changes daily. To be sure that the amount transferred is sufficient to pay the monthly installment, we recommend you check the exchange rate through the maibank mobile app (Menu/ Settings/ Exchange rate) or transfer an amount of money with additional reserve to the current account. The difference remains in the current account and can be used for the next payment.
How do I pay my monthly loan instalments?
You have 5 ways to pay the monthly instalments:
- through the maibank mobile application;
- through internet banking;
- at Cash-In ATMs;
- at self-service terminals;
- in any branch maib.
CasaHub – your digital real estate agent
CasaHub is a real estate platform, developed by the maib team, which aims to make the process of buying, selling and obtaining the mortgage contract simpler, easier, in just a few clicks.
The services offered by the platform are available throughout the territory of the Republic of Moldova and include:
- real estate ads with pre-calculated mortgage rates;
- verification of the property by the cadastral number;
- requesting and paying for the property evaluation report;
- free online mortgage consultation;
- advanced search filters;
- free republishing of ads;
- real estate blog.
Discover more on casahub.md and let us help you choose the property you want.
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Attention! Applications are processed Monday to Friday, between 09:00 and 17:00