refinance your „prima casă” loan
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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
about the loan
Have you taken out a "Prima casă" loan to purchase the home you always wanted, now you can refinance it to:
- buy a more spacious home
- reduce your monthly payments
- improve your living conditions and future
Prima Casă Plus is a government project through which you can purchase a home in an old or new building, as well as choose a house in any locality in the Republic of Moldova.
Refinance your existing "Prima casă" loan on more favorable terms!
Advantages of the program:
- loan amount up to 2,500,000 lei;
- multiple income categories are accepted (e.g., notaries, lawyers, judicial executors, freelancers, etc.);
- the mortgage of the property purchased at the insurance level up to 70% of the loan amount;
- government guarantee provided in the same proportion as it was issued at the time of contracting the mortgage loan from the Initial Creditor;
- your and your family members’ income is taken into account;
- surety of the spouse or first-degree relatives, if necessary.
For a loan of 600 000 MDL, for a period of 30 years, at an interest rate of 6.46%, the monthly payment will be 3,857.40 MDL. The EAR will be 6,97% and the total amount payable will be 1,394,603.50 MDL.
The interest rate for loans granted under the "Prima Casă" program is floating, consisting of the reference rate of 3.46 percentage points for the "Prima Casă" program published by the National Bank of Moldova (BNM) and the bank's margin of 3% (the maximum margin size, approved by the Ministry of Finance), set at the date of the loan grant according to the current Policy on prices for banking products and services offered to retail clients.
For floating rate loans, the interest rate changes twice a year, on January 1 and July 1, depending on the evolution of the reference index published by the NBM.Transform your dreams into reality! Request a consultation by phone or visit any maib branch.
requirements
Applicant eligibility criteria:
- an individual who owns a real estate property acquired through the "Prima Casă" program, provided that the area of the property does not exceed 50 square meters;
- aged between 18 and 50 years;
- seniority of at least 6 months at the current employer;
- average monthly net salary – 6000 MDL. Income of family members is accepted.
Eligibility criteria for real estate:
- the area of the property does not exceed 50 square meters;
- has no hidden defects, material or legal issues.
rates
You can get:
- a loan up to 2 500 000 MDL;
- for a term up to 30 years.
Commissions:
- single commission for granting the loan – 1%;
- guarantee commission for I.P. ODA – 0.4% per year of the state guarantee balance;
- 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 to banking.
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 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.
- The credit agreement with the payment schedule;
- The mortgage agreement for the credit to be refinanced.
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
Depui o cerere în acest sens pe site-ul www.ipoteca.maib.md. În scurt timp vei fi contactat de un specialist, care îți va răspunde la toate întrebările și va iniția procedura de refinanțare.
The annual effective interest rate (EAR) or the total cost of the loan varies depending on the amount and repayment term of the loan.
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- step 2 of 2 OTP signing
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to confirm, enter the 6-digit code received via SMS to the number +373
if you apply outside office hours, on weekends or holidays, we will contact you the next working day.