„Reparație”

Home page For you Loans „Reparație”

Loan:

Sum:

5000 lei 4000000 lei

Period:

6 months 180 months

Monthly payment

45 463.88 lei

The interest rate:

11 %

Rata efectiva a dobanzii (DAE):

11.57 %

Details Aplică

Download graph

Monthly payment 45 463.88 lei		DAE 11.57 %	Interest rate 11 %		The total amount of the loan 8 183 498 lei
	Repayment of interest	Payment of commissions	Credit reimbursement	Credit balance	Data	Monthly payment
0				4000000	14.11.2026	4000000
1	36 666.67	0.00	8 797.21	3 991 202.79	14.12.2026	45 463.88
2	36 586.03	0.00	8 877.85	3 982 324.94	14.01.2027	45 463.88
3	36 504.65	0.00	8 959.23	3 973 365.71	14.02.2027	45 463.88
4	36 422.52	0.00	9 041.36	3 964 324.35	14.03.2027	45 463.88
5	36 339.64	0.00	9 124.24	3 955 200.11	14.04.2027	45 463.88
6	36 256.00	0.00	9 207.88	3 945 992.23	14.05.2027	45 463.88
7	36 171.60	0.00	9 292.28	3 936 699.95	14.06.2027	45 463.88
8	36 086.42	0.00	9 377.46	3 927 322.49	14.07.2027	45 463.88
9	36 000.46	0.00	9 463.42	3 917 859.07	14.08.2027	45 463.88
10	35 913.71	0.00	9 550.17	3 908 308.90	14.09.2027	45 463.88
11	35 826.16	0.00	9 637.72	3 898 671.18	14.10.2027	45 463.88
12	35 737.82	0.00	9 726.06	3 888 945.12	14.11.2027	45 463.88
13	35 648.66	0.00	9 815.22	3 879 129.90	14.12.2027	45 463.88
14	35 558.69	0.00	9 905.19	3 869 224.71	14.01.2028	45 463.88
15	35 467.89	0.00	9 995.99	3 859 228.72	14.02.2028	45 463.88
16	35 376.26	0.00	10 087.62	3 849 141.10	14.03.2028	45 463.88
17	35 283.79	0.00	10 180.09	3 838 961.01	14.04.2028	45 463.88
18	35 190.48	0.00	10 273.40	3 828 687.61	14.05.2028	45 463.88
19	35 096.30	0.00	10 367.58	3 818 320.03	14.06.2028	45 463.88
20	35 001.27	0.00	10 462.61	3 807 857.42	14.07.2028	45 463.88
21	34 905.36	0.00	10 558.52	3 797 298.90	14.08.2028	45 463.88
22	34 808.57	0.00	10 655.31	3 786 643.59	14.09.2028	45 463.88
23	34 710.90	0.00	10 752.98	3 775 890.61	14.10.2028	45 463.88
24	34 612.33	0.00	10 851.55	3 765 039.06	14.11.2028	45 463.88
25	34 512.86	0.00	10 951.02	3 754 088.04	14.12.2028	45 463.88
26	34 412.47	0.00	11 051.41	3 743 036.63	14.01.2029	45 463.88
27	34 311.17	0.00	11 152.71	3 731 883.92	14.02.2029	45 463.88
28	34 208.94	0.00	11 254.94	3 720 628.98	14.03.2029	45 463.88
29	34 105.77	0.00	11 358.11	3 709 270.87	14.04.2029	45 463.88
30	34 001.65	0.00	11 462.23	3 697 808.64	14.05.2029	45 463.88
31	33 896.58	0.00	11 567.30	3 686 241.34	14.06.2029	45 463.88
32	33 790.55	0.00	11 673.33	3 674 568.01	14.07.2029	45 463.88
33	33 683.54	0.00	11 780.34	3 662 787.67	14.08.2029	45 463.88
34	33 575.55	0.00	11 888.33	3 650 899.34	14.09.2029	45 463.88
35	33 466.58	0.00	11 997.30	3 638 902.04	14.10.2029	45 463.88
36	33 356.60	0.00	12 107.28	3 626 794.76	14.11.2029	45 463.88
37	33 245.62	0.00	12 218.26	3 614 576.50	14.12.2029	45 463.88
38	33 133.62	0.00	12 330.26	3 602 246.24	14.01.2030	45 463.88
39	33 020.59	0.00	12 443.29	3 589 802.95	14.02.2030	45 463.88
40	32 906.53	0.00	12 557.35	3 577 245.60	14.03.2030	45 463.88
41	32 791.42	0.00	12 672.46	3 564 573.14	14.04.2030	45 463.88
42	32 675.25	0.00	12 788.63	3 551 784.51	14.05.2030	45 463.88
43	32 558.02	0.00	12 905.86	3 538 878.65	14.06.2030	45 463.88
44	32 439.72	0.00	13 024.16	3 525 854.49	14.07.2030	45 463.88
45	32 320.33	0.00	13 143.55	3 512 710.94	14.08.2030	45 463.88
46	32 199.85	0.00	13 264.03	3 499 446.91	14.09.2030	45 463.88
47	32 078.26	0.00	13 385.62	3 486 061.29	14.10.2030	45 463.88
48	31 955.56	0.00	13 508.32	3 472 552.97	14.11.2030	45 463.88
49	31 831.74	0.00	13 632.14	3 458 920.83	14.12.2030	45 463.88
50	31 706.77	0.00	13 757.11	3 445 163.72	14.01.2031	45 463.88
51	31 580.67	0.00	13 883.21	3 431 280.51	14.02.2031	45 463.88
52	31 453.40	0.00	14 010.48	3 417 270.03	14.03.2031	45 463.88
53	31 324.98	0.00	14 138.90	3 403 131.13	14.04.2031	45 463.88
54	31 195.37	0.00	14 268.51	3 388 862.62	14.05.2031	45 463.88
55	31 064.57	0.00	14 399.31	3 374 463.31	14.06.2031	45 463.88
56	30 932.58	0.00	14 531.30	3 359 932.01	14.07.2031	45 463.88
57	30 799.38	0.00	14 664.50	3 345 267.51	14.08.2031	45 463.88
58	30 664.95	0.00	14 798.93	3 330 468.58	14.09.2031	45 463.88
59	30 529.30	0.00	14 934.58	3 315 534.00	14.10.2031	45 463.88
60	30 392.40	0.00	15 071.48	3 300 462.52	14.11.2031	45 463.88
61	30 254.24	0.00	15 209.64	3 285 252.88	14.12.2031	45 463.88
62	30 114.82	0.00	15 349.06	3 269 903.82	14.01.2032	45 463.88
63	29 974.12	0.00	15 489.76	3 254 414.06	14.02.2032	45 463.88
64	29 832.13	0.00	15 631.75	3 238 782.31	14.03.2032	45 463.88
65	29 688.84	0.00	15 775.04	3 223 007.27	14.04.2032	45 463.88
66	29 544.23	0.00	15 919.65	3 207 087.62	14.05.2032	45 463.88
67	29 398.30	0.00	16 065.58	3 191 022.04	14.06.2032	45 463.88
68	29 251.04	0.00	16 212.84	3 174 809.20	14.07.2032	45 463.88
69	29 102.42	0.00	16 361.46	3 158 447.74	14.08.2032	45 463.88
70	28 952.44	0.00	16 511.44	3 141 936.30	14.09.2032	45 463.88
71	28 801.08	0.00	16 662.80	3 125 273.50	14.10.2032	45 463.88
72	28 648.34	0.00	16 815.54	3 108 457.96	14.11.2032	45 463.88
73	28 494.20	0.00	16 969.68	3 091 488.28	14.12.2032	45 463.88
74	28 338.64	0.00	17 125.24	3 074 363.04	14.01.2033	45 463.88
75	28 181.66	0.00	17 282.22	3 057 080.82	14.02.2033	45 463.88
76	28 023.24	0.00	17 440.64	3 039 640.18	14.03.2033	45 463.88
77	27 863.37	0.00	17 600.51	3 022 039.67	14.04.2033	45 463.88
78	27 702.03	0.00	17 761.85	3 004 277.82	14.05.2033	45 463.88
79	27 539.21	0.00	17 924.67	2 986 353.15	14.06.2033	45 463.88
80	27 374.90	0.00	18 088.98	2 968 264.17	14.07.2033	45 463.88
81	27 209.09	0.00	18 254.79	2 950 009.38	14.08.2033	45 463.88
82	27 041.75	0.00	18 422.13	2 931 587.25	14.09.2033	45 463.88
83	26 872.88	0.00	18 591.00	2 912 996.25	14.10.2033	45 463.88
84	26 702.47	0.00	18 761.41	2 894 234.84	14.11.2033	45 463.88
85	26 530.49	0.00	18 933.39	2 875 301.45	14.12.2033	45 463.88
86	26 356.93	0.00	19 106.95	2 856 194.50	14.01.2034	45 463.88
87	26 181.78	0.00	19 282.10	2 836 912.40	14.02.2034	45 463.88
88	26 005.03	0.00	19 458.85	2 817 453.55	14.03.2034	45 463.88
89	25 826.66	0.00	19 637.22	2 797 816.33	14.04.2034	45 463.88
90	25 646.65	0.00	19 817.23	2 777 999.10	14.05.2034	45 463.88
91	25 464.99	0.00	19 998.89	2 758 000.21	14.06.2034	45 463.88
92	25 281.67	0.00	20 182.21	2 737 818.00	14.07.2034	45 463.88
93	25 096.67	0.00	20 367.21	2 717 450.79	14.08.2034	45 463.88
94	24 909.97	0.00	20 553.91	2 696 896.88	14.09.2034	45 463.88
95	24 721.55	0.00	20 742.33	2 676 154.55	14.10.2034	45 463.88
96	24 531.42	0.00	20 932.46	2 655 222.09	14.11.2034	45 463.88
97	24 339.54	0.00	21 124.34	2 634 097.75	14.12.2034	45 463.88
98	24 145.90	0.00	21 317.98	2 612 779.77	14.01.2035	45 463.88
99	23 950.48	0.00	21 513.40	2 591 266.37	14.02.2035	45 463.88
100	23 753.28	0.00	21 710.60	2 569 555.77	14.03.2035	45 463.88
101	23 554.26	0.00	21 909.62	2 547 646.15	14.04.2035	45 463.88
102	23 353.42	0.00	22 110.46	2 525 535.69	14.05.2035	45 463.88
103	23 150.74	0.00	22 313.14	2 503 222.55	14.06.2035	45 463.88
104	22 946.21	0.00	22 517.67	2 480 704.88	14.07.2035	45 463.88
105	22 739.79	0.00	22 724.09	2 457 980.79	14.08.2035	45 463.88
106	22 531.49	0.00	22 932.39	2 435 048.40	14.09.2035	45 463.88
107	22 321.28	0.00	23 142.60	2 411 905.80	14.10.2035	45 463.88
108	22 109.14	0.00	23 354.74	2 388 551.06	14.11.2035	45 463.88
109	21 895.05	0.00	23 568.83	2 364 982.23	14.12.2035	45 463.88
110	21 679.00	0.00	23 784.88	2 341 197.35	14.01.2036	45 463.88
111	21 460.98	0.00	24 002.90	2 317 194.45	14.02.2036	45 463.88
112	21 240.95	0.00	24 222.93	2 292 971.52	14.03.2036	45 463.88
113	21 018.91	0.00	24 444.97	2 268 526.55	14.04.2036	45 463.88
114	20 794.83	0.00	24 669.05	2 243 857.50	14.05.2036	45 463.88
115	20 568.69	0.00	24 895.19	2 218 962.31	14.06.2036	45 463.88
116	20 340.49	0.00	25 123.39	2 193 838.92	14.07.2036	45 463.88
117	20 110.19	0.00	25 353.69	2 168 485.23	14.08.2036	45 463.88
118	19 877.78	0.00	25 586.10	2 142 899.13	14.09.2036	45 463.88
119	19 643.24	0.00	25 820.64	2 117 078.49	14.10.2036	45 463.88
120	19 406.55	0.00	26 057.33	2 091 021.16	14.11.2036	45 463.88
121	19 167.69	0.00	26 296.19	2 064 724.97	14.12.2036	45 463.88
122	18 926.65	0.00	26 537.23	2 038 187.74	14.01.2037	45 463.88
123	18 683.39	0.00	26 780.49	2 011 407.25	14.02.2037	45 463.88
124	18 437.90	0.00	27 025.98	1 984 381.27	14.03.2037	45 463.88
125	18 190.16	0.00	27 273.72	1 957 107.55	14.04.2037	45 463.88
126	17 940.15	0.00	27 523.73	1 929 583.82	14.05.2037	45 463.88
127	17 687.85	0.00	27 776.03	1 901 807.79	14.06.2037	45 463.88
128	17 433.24	0.00	28 030.64	1 873 777.15	14.07.2037	45 463.88
129	17 176.29	0.00	28 287.59	1 845 489.56	14.08.2037	45 463.88
130	16 916.99	0.00	28 546.89	1 816 942.67	14.09.2037	45 463.88
131	16 655.31	0.00	28 808.57	1 788 134.10	14.10.2037	45 463.88
132	16 391.23	0.00	29 072.65	1 759 061.45	14.11.2037	45 463.88
133	16 124.73	0.00	29 339.15	1 729 722.30	14.12.2037	45 463.88
134	15 855.79	0.00	29 608.09	1 700 114.21	14.01.2038	45 463.88
135	15 584.38	0.00	29 879.50	1 670 234.71	14.02.2038	45 463.88
136	15 310.48	0.00	30 153.40	1 640 081.31	14.03.2038	45 463.88
137	15 034.08	0.00	30 429.80	1 609 651.51	14.04.2038	45 463.88
138	14 755.14	0.00	30 708.74	1 578 942.77	14.05.2038	45 463.88
139	14 473.64	0.00	30 990.24	1 547 952.53	14.06.2038	45 463.88
140	14 189.56	0.00	31 274.32	1 516 678.21	14.07.2038	45 463.88
141	13 902.88	0.00	31 561.00	1 485 117.21	14.08.2038	45 463.88
142	13 613.57	0.00	31 850.31	1 453 266.90	14.09.2038	45 463.88
143	13 321.61	0.00	32 142.27	1 421 124.63	14.10.2038	45 463.88
144	13 026.98	0.00	32 436.90	1 388 687.73	14.11.2038	45 463.88
145	12 729.64	0.00	32 734.24	1 355 953.49	14.12.2038	45 463.88
146	12 429.57	0.00	33 034.31	1 322 919.18	14.01.2039	45 463.88
147	12 126.76	0.00	33 337.12	1 289 582.06	14.02.2039	45 463.88
148	11 821.17	0.00	33 642.71	1 255 939.35	14.03.2039	45 463.88
149	11 512.78	0.00	33 951.10	1 221 988.25	14.04.2039	45 463.88
150	11 201.56	0.00	34 262.32	1 187 725.93	14.05.2039	45 463.88
151	10 887.49	0.00	34 576.39	1 153 149.54	14.06.2039	45 463.88
152	10 570.54	0.00	34 893.34	1 118 256.20	14.07.2039	45 463.88
153	10 250.68	0.00	35 213.20	1 083 043.00	14.08.2039	45 463.88
154	9 927.89	0.00	35 535.99	1 047 507.01	14.09.2039	45 463.88
155	9 602.15	0.00	35 861.73	1 011 645.28	14.10.2039	45 463.88
156	9 273.42	0.00	36 190.46	975 454.82	14.11.2039	45 463.88
157	8 941.67	0.00	36 522.21	938 932.61	14.12.2039	45 463.88
158	8 606.88	0.00	36 857.00	902 075.61	14.01.2040	45 463.88
159	8 269.03	0.00	37 194.85	864 880.76	14.02.2040	45 463.88
160	7 928.07	0.00	37 535.81	827 344.95	14.03.2040	45 463.88
161	7 584.00	0.00	37 879.88	789 465.07	14.04.2040	45 463.88
162	7 236.76	0.00	38 227.12	751 237.95	14.05.2040	45 463.88
163	6 886.35	0.00	38 577.53	712 660.42	14.06.2040	45 463.88
164	6 532.72	0.00	38 931.16	673 729.26	14.07.2040	45 463.88
165	6 175.85	0.00	39 288.03	634 441.23	14.08.2040	45 463.88
166	5 815.71	0.00	39 648.17	594 793.06	14.09.2040	45 463.88
167	5 452.27	0.00	40 011.61	554 781.45	14.10.2040	45 463.88
168	5 085.50	0.00	40 378.38	514 403.07	14.11.2040	45 463.88
169	4 715.36	0.00	40 748.52	473 654.55	14.12.2040	45 463.88
170	4 341.83	0.00	41 122.05	432 532.50	14.01.2041	45 463.88
171	3 964.88	0.00	41 499.00	391 033.50	14.02.2041	45 463.88
172	3 584.47	0.00	41 879.41	349 154.09	14.03.2041	45 463.88
173	3 200.58	0.00	42 263.30	306 890.79	14.04.2041	45 463.88
174	2 813.17	0.00	42 650.71	264 240.08	14.05.2041	45 463.88
175	2 422.20	0.00	43 041.68	221 198.40	14.06.2041	45 463.88
176	2 027.65	0.00	43 436.23	177 762.17	14.07.2041	45 463.88
177	1 629.49	0.00	43 834.39	133 927.78	14.08.2041	45 463.88
178	1 227.67	0.00	44 236.21	89 691.57	14.09.2041	45 463.88
179	822.17	0.00	44 641.71	45 049.86	14.10.2041	45 463.88
180	412.96	0.00	45 050.92	0.00	14.11.2041	45 463.88

Do you need a loan?

Aplică

Surname

Ziua, luna și anul nașterii

Other existing loans

Type of worker

experience

Phone

IDNP

Children for maintenance

Loan amount

Sunt de acord cu regulile de prelucrare a datelor personale

According to the requirements of law no.133 of 08.07.2011. on the protection of personal data, the Bank, acting as controller/operator of the Center for personal data protection under no.0000116, guarantees the administration of personal data, provided by the applicant for the loan, in compliance with the security regime, confidentiality and directly for the purposes declared by him. The applicant for the loan declares that he recognizes and accepts the conditions, grounds and terms of processing personal data within the meaning of Law no.133 of 08.07.2011. on the protection of personal data, including related to the rights and obligations, which are incumbent on him according to the nominated law, and by ticking the box below, he freely, expressly and unconditionally expresses his consent to: accessing, processing and verification by the Bank of personal data, as well as information, presented both by the applicant for the loan and obtained by the bank through external information sources (on-line applications and public databases), in order to take, provided by the legislation in force until the conclusion of a credit agreement, in compliance with the security and confidentiality regime. The applicant undertakes to inform the third parties, which will be indicated in this application, that their personal data will be provided to the Bank, in order to take the necessary measures for the conclusion of the credit agreement between the applicant and BC EuroCreditBank S.A.

About the Loan

Eligibility requirements

Interest Rate and Costs

Required documents

The “Reparație” Home Improvement Loan offered by EuroCreditBank is designed to finance renovation, modernization and improvement works on residential property.

Benefit from a financing solution tailored to your plans and transform your home into a more comfortable space that suits your taste and needs.

Purpose of the Loan

The loan can be used for:

renovation of residential property;
reconstruction or modernization of the home;
improvement of living conditions and residential comfort.

Available Loan Amount

up to MDL 4,000,000 per borrower.

Loan Term

Up to 180 months, depending on the client’s financial profile and the purpose of financing.

Grace Period

A grace period of up to 6 months may be granted, in accordance with the contractual terms and conditions.

Repayment Terms

Monthly payments, on the date specified in the loan agreement;
Repayment schedule: annuity (equal monthly installments throughout the loan term).

Collateral Requirements

The following forms of collateral are accepted:

Mortgage over real estate approved by the Bank in accordance with internal regulations and the applicable legislation of the Republic of Moldova, with a collateral value not lower than the loan amount;
Assignment of funds from the Borrower’s accounts held with the Bank;
Third-party guarantee, where required, from individuals with a positive (or no negative) credit history.

To apply for a mortgage loan under the “Reparație” products, the applicant must meet the following conditions:

Applicant Profile

is a citizen of the Republic of Moldova;
holds permanent residence in the Republic of Moldova;
is between 21 and 70 years of age (with full repayment of the loan completed before reaching this age);
has permanent and stable income;
has not negative credit history in the last 36 months
(one delay of up to 60 days during this period is acceptable).

Financial Situation

The applicant must have permanent and stable income, duly documented. The following income sources are accepted:

monthly salary (minimum employment period of 6 months);
old-age pension (regular payments over the last 6 months);
income from lease/rental (real estate or vehicles);
income from licensed professional activities (lawyers, notaries, bailiffs, interpreters, etc.);
income earned abroad (6-month bank statements + employment contract);
regular remittances (international money transfers);
dividends or monthly distributed profit shares from legal entities or sole entrepreneurs.

The Bank reserves the right to request additional information and documents depending on the applicant’s profile and the specifics of the transaction.

Loyal Clients

Preferential conditions may apply, where applicable, to:

clients who have previously obtained loans from the Bank;
individuals receiving salary and/or pension through BC “EuroCreditBank” S.A. cards;
employees of the Bank or its strategic partners (subject to Management approval).

The interest rate for the “Reparație” loan is floating and is determined based on the client category and loan currency, in accordance with the Bank's Interest Rate Policy.

Interest Rate Structure

Loans granted in MDL

Client Category	Annual Interest Rate	Annual Percentage Rate (APR)	Fees & Commissions
Category 1	11.00%	11.57%	One-time origination fee – 0%
Category 2	10.50%	11.02%
Category 3	10.50%	11.02%
Category 4	10.50%	11.02%

Loans granted in EUR and USD

Loan Currency	Annual Interest Rate	Annual Percentage Rate (APR)	Fees & Commissions
EUR (including EUR-pegged)	7.50%	7.76%	One-time origination fee – 0%
USD (including USD-pegged)	8.50%	8.84%

The APR is calculated based on a representative example and may vary depending on the loan amount, term, down payment, and related costs.

Client Categories

Category 1 – Standard Clients (general terms applicable to all applicants who do not fall into the categories below).
Category 2 – Clients with a Positive Credit History (clients who hold a positive credit history and proper payment behavior).
Category 3 – Preferential Clients (employees of companies with a payroll project at ECB, IT park companies, and public/budgetary institutions).
Category 4 – ECO (clients taking out a loan to purchase an eco-friendly vehicle or to improve the energy efficiency of a home (ESG)).

Loan-Related Costs

Depending on the financing structure, the following costs may apply:

loan interest (APR);
origination fee (as applicable);
property valuation costs;
notary and collateral registration costs;
mandatory insurance of the pledged property.

All costs are communicated transparently prior to signing the loan agreement.

Representative Calculation Example

Calculation Example for Category 1 (MDL)
For a loan of 2,500,000 MDL over a period of 180 months, with:

interest rate: 11.00%;
APR: 11.57%;
fees: 0%.

Result:

Estimated monthly payment: ≈ 28,415 MDL;
Total amount payable: ≈ 5,114,686 MDL.

Calculation Example for Categories 2, 3, and 4 (MDL)
For a loan of 2,500,000 MDL over a period of 180 months, with:

interest rate: 10.50%;
APR: 11.02%;
fees: 0%.

Result:

Estimated monthly payment: ≈ 27,635 MDL;
Total amount payable: ≈ 4,974,295 MDL.

Calculation Example for EUR Loan
For a loan of 50,000 EUR over a period of 180 months, with:

interest rate: 7.50%;
APR: 7.76%;
fees: 0%.

Result:

Estimated monthly payment: ≈ 463.51 EUR;
Total amount payable: ≈ 83,431 EUR.

Calculation Example for USD Loan
For a loan of 50,000 USD over a period of 180 months, with:

interest rate: 8.50%;
APR: 8.84%;
fees: 0%.

Result:

Estimated monthly payment: ≈ 492.37 USD;
Total amount payable: ≈ 88,627 USD.

Note
The information above is for guidance purposes only. The APR and final amounts may vary depending on the loan disbursement date, loan currency, and the specific terms of the agreement.

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.

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