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General lending conditions for individuals

Consumer loans

Consumer loan with collateral

Make your life more beautiful!

We help you fulfill your greatest wishes: buy a car, renovate your home or a vacation of your dreams. With our personal needs loan with guarantees, you will get what you wanted for years, faster than you expect.

  • Destination:
    • Car purchase
    • Other personal needs
  • The term: up to 60 months (5 years)
  • Amount: is determined on the basis of earnings and proposed insurance, but will not exceed 2 500 000 mdl
  • Credit cost:
Period Annual interest rate standard / preferential * Unique Granting
Administration fee
Up to 60 months 10.5% / 10%*
0% 0%

Example: For a loan with collateral (preferential) in the amount of 300,000 lei, for 60 months, DAE (effective annual interest) is 10.48%, monthly rate 6 374.11 lei, total payment amount 382 446.8 lei.

*Annual effective interest rate varies depending on the period and type of loan. Calculate the total cost here.

*Preferential customers - individuals with good credit history and/or who receive their salary and/or pension on MICB cards.

  • Payment methods: monthly by annuity method (equal payments) or monthly by classical method (decreasing payments).
  • Other payments: according to Tariff Policy of the bank
  • Credit insurance can be the objects that correspond to the requirements of the Bank towards collateral: real estate (apartments, buildings); land (intended for construction, non - commercial or with agricultural use); other real estate types; valuable personal goods (cars, tractors and combines), garages, etc.

Who can benefit?

1.   Resident of republic of Moldova: citizen of RM, foreign citizen or person without citizenship (statelessness), with permanent residence in RM, who:
      •  holds the appropiate identity document, issued by the competent authority of the RM valid at the moment of requesting the loan.
2.  Age between 20 - 70 years (the maximum age until which the credit is refunded).
3.  Employed for a minimum of 6 months, and at the current job with a minimum of 4 months.
Note: Except retired people and those who lease property.

What are the necessary documents?

1. Valid identity card.
2.   At least one of the following documents that prove the incomes:
      •  Information received from the State Tax Service, or
      •  The retiree card with the compulsory indication of the current pension, or the statement from the account in which the pension is paid
      •  The statement confirming the earnings obtained from the licensed/ authorized activities for bailiffs, lawyers, notaries, certified interpreters and translators, confirmed by the current account/card statement.
3. Ownership document of the property (as the case may be).
4. Property valuation report (of the collateral) made by an assessor (in accordance with the valuation law) agreed by the bank.
5. Documents for credit insurance.
6. Upon necessity, the bank may request additional documents.