In order to apply for the loan, the applicant must meet the following conditions:

Applicant profile

• must be a citizen of the Republic of Moldova;
• must have permanent residency within the territory of the Republic of Moldova;
• must be between 21 and 70 years old (the loan must be fully repaid before reaching this age).

Financial Situation

The applicant must have permanent and stable income, confirmed by supporting documents. The following income sources are accepted:

• monthly salary (minimum employment history: 6 months);

The applicant must also:

• comply with the maximum allowable debt-to-income ratio;
• have no active overdue liabilities with other financial institutions.

Interest Rate Structure

The interest rate is determined based on the requested loan amount and the applicable interest rate type.

• For loans of up to MDL 50,000, a fixed interest rate applies throughout the entire loan term.
• For loans exceeding MDL 50,000, a floating interest rate applies, calculated as the sum of the reference index of the National Bank of Moldova (NBM) and the Bank's fixed margin.

Client Categories

Standard Client (Category I) – general conditions applicable to all applicants who do not fall into the categories below.

Loyal Client (Category II) – clients with a positive credit history and consistent payment behaviour.

Preferential Client (Category III) – employees of companies with a salary project at the Bank, IT park companies, and public institutions.

Representative Example of Calculation

Example for “Standard” Clients (Category I)

For a loan of 100,000 MDL over 60 months, with:

• interest rate: 11.0%
• APR: 11,56%
• commissions 0%

Results:

• Estimated monthly payment: ≈ 2 147,2 MDL
• Total interest: ≈ 30 455 MDL
• Total amount repayable: ≈ 130 455 MDL

Example for “Loyal” Clients (Category II)

For a loan of 100,000 MDL over 60 months, with:

• interest rate: 10,0%
• APR: 10,47%
• commissions: 0%

Results:

• Estimated monthly payment: ≈ 2 124,7​​ MDL
• Total interest: ≈ 27 482​ MDL
• Total amount repayable: ≈ 127 482​​ MDL

Example for “Preferential” Clients (Category III)

For a loan of 100,000 MDL over 60 months, with:

• interest rate: 9,50%
• APR:9,92%
• commissions: 0%

Results:

• Estimated monthly payment: ≈ 2 100 MDL
• Total interest: ≈ 26 011 MDL
• Total amount repayable: ≈ 126 011 MDL

The information above is for illustrative purposes. The APR and final values may vary slightly depending on the loan issuance date and the specific contractual conditions.

The following documents are required for loan assessment and approval:

• Loan application form (completed by the applicant);
• Applicant’s identity card (original and copy);
• Income-confirming documents (where applicable);
• Any additional documents requested by the Bank, depending on the applicant’s profile and the specifics of the loan.