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 applicable to the “Reparație” mortgage loans is floating and is determined based on the client category and the loan currency, in accordance with the Bank’s Interest Rate Policy.

Interest Rate Structure

Loans granted in MDL

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 conditions applicable to all applicants who do not fall into the categories below).

Category 2 – Clients with Positive Credit History (clients who have a positive credit history and a good repayment record).

Category 3 – Preferred Clients (employees of companies participating in ECB payroll projects, IT park companies, and public institutions).

Category 4 – ECO (clients obtaining a loan for the purchase of an environmentally friendly vehicle or for improving the energy efficiency of their home (ESG)).

Loan-Related Costs

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

• interest related to the loan (APR/DAE);
• disbursement fee (where applicable);
• property valuation costs;
• notarial and collateral registration costs;
• mandatory insurance of the pledged property.

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

Representative Calculation Example

Calculation example for Category 1 (MDL)

For a loan of 2,500,000 MDL with a term of 180 months, under the following conditions:

• interest rate: 10.30%;
• APR: 10.79%;
• fees: 0%.

Result:

• Indicative monthly payment: ≈ 24,624 MDL;
• Total amount to be repaid: ≈ 5,909,889 MDL.

Calculation example for Categories 2, 3 and 4 (MDL)

For a loan of 2,500,000 MDL with a term of 180 months, under the following conditions:

• interest rate: 10.0%;
• APR: 10.47%;
• fees: 0%.

Result:

• Indicative monthly payment: ≈ 24,125 MDL;
• Total amount to be repaid: ≈ 5,790,130 MDL.

Calculation example for a loan in EUR

For a loan of 50,000 EUR with a term of 180 months, under the following conditions:

• interest rate: 6.50%;
• APR: 6.69%;
• fees: 0%.

Result:

• Indicative monthly payment: ≈ 372.8 EUR;
• Total amount to be repaid: ≈ 89,469 EUR.

Calculation example for a loan in USD

For a loan of 50,000 USD with a term of 180 months, under the following conditions:

• interest rate: 7.50%;
• APR: 7.77%;
• fees: 0%.

Result:

• Indicative monthly payment: ≈ 402.8 USD;
• Total amount to be repaid: ≈ 96,671 USD.

Important Information

The loan must be repaid in accordance with the contractual terms.Failure to meet repayment obligations may result in additional costs.

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.