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Fees for personal loans
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Salary certificate

Investment loans

Loan with collateral

Make your life more beautifiul!

We help you to fulfill your greatest wishes: to buy a car, to renovate your home or to go on a dream trip. With personal needs loan with guarantees, you will manage to get what you want for years, as fast as you can not expect.

  • Destination:
    • Auto aquisition
    • Renovation and construction of the dwelling
    • Purchase of land for construction
    • Other personal needs
  • The term: up to 120 months,which is determined depending on the type of the collateral proposed, demand and possibilities
  • 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 120 months 8% / 7.5%*
1% - up to 12 months
2% - over 12 months
0,20% monthly

Example: For a loan with collateral (preferential) in the amount of 300,000 lei, for 120 months, DAE (effective annual interest) is 12.3%, monthly rate 4161.05 lei, total payment amount 505 551.13 lei.

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

*Preferential customers - individuals with a good credit history and / or individuals who receive their salary and / or pension through BC „Moldindconbank” S.A. 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 towords collateral: dwellings (apartments, buildings); lots of land (intended for construction, non - productive, fruit, or with agricultural use, garden); real estate with social - industrial character; other valuable personal goods (cars, tractors and combines), garages, parking places.

Who can benefit?

1.   Resident of republic of Moldova (citizen of RM, foreign citizen or person without citizenship), 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 in the field of work, with 4 months probation period.
Note: Except pensioners and those who give the lease of movable / immovable property.

What are the necessary documents?

1. Valid identity card.
2.   At least one of the following documents that prove the incomes:
      •  Extract from salary card account (issued by any bank in the Republic of Moldova), or
      •  Information received from the State Tax Service, or
      •  The salary certificate, or
      •  The pensioners 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, unless a salary certificate can be presented.
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.