Apply for a Mortgage Loan PRIMA CASĂ between October 15 and December 15, 2024, and have a chance to win a prize of 50 000 or 100 000 MDL to furnish your new home.
* Prizes are awarded in accordance with the Official Rules of the Campaign.
Mortgage loan PRIMA CASĂ
Up to 2 500 000 MDL
the maximum amount
Minimum down-payment from 0%
of the house price
Up to 30 years
financing term
Houses in mun. Chisinau in use for more than 10 years
Credit name
Amount of credit
Term
Mortgage loan PRIMA CASĂ
The accuracy of this calculator's data and its applicability to your particular case is not guaranteed. For accurate information and a personalised calculation, please visit any branch of the bank.
Representative calculation example: For a PRIMA CASA mortgage loan, in the amount of 400 000 lei, with a floating interest rate of 6.46%, for a term of 360 months, with a loan origination fee of 1% and a monthly guarantee fee of 0.01667% of the loan balance, the APR is 7.04%. The bank reminds consumers of their responsibility to repay the loans.
Program conditions
Opt for a real estate loan within the Government Program PRIMA CASA and you can become the owner of your own home.
- Maximum amount financed: 2 500 000 MDL
- Lending period: up to 30 years
- Minimum down-payment from 0% of the property price1
- Financing fee: 1%
- Guarantee fee: 0,01667% / 0,02167% / 0,02333%per month, calculated from the balance of the loan
- Floating interest rate: 6.46 (Reference Index: 3.46% + Bank Margin: 3%)
- State compensations for employees of public and private institutions
- State compensation for families with children up to 100% of the cost of the loan
1 the price of the property cannot be higher than 2 500 000 MDL
The advantages offered by OTP Bank
- You have ZERO commission for file analysis
- No additional guarantees: only the purchased property and the state guarantee
- You get a debit card for free
- You have professional advice and assistance throughout the credit period
- You benefit from the services offered by the Mortgage Center free of charge.
More details
How can you apply for credit?
Come into any Branch or the Mortgage Center with the necessary paperwork and we will start the process.
Eligibility criteria
- You are a citizen of the Republic of Moldova, up to 50 years old and have a residence visa in the Republic of Moldova
- You are officially employed in the Republic of Moldova and you have at least 6 months of activity with your current employer
- The applicant or his/her spouse does not own any dwelling in sole ownership or jointly with other family members or owns at most one dwelling with a floor area of less than 50 m2 at the time of applying for the mortgage loan. A person or his/her spouse who owns a dwelling, regardless of its surface area, in a village or commune, either in sole ownership or jointly with other family members, is also eligible.
- The applicant or his/her spouse has previously purchased a maximum of one dwelling through the Program with a surface area of less than 50 m2 and has fully paid off the mortgage loan contracted previously, except in cases where the beneficiary or his/her spouse repeatedly applies for a dwelling with a surface area of more than 50 m2 through the Program in order to pay off the mortgage loan previously contracted.
- The ratio between the monthly installments (including interest/fees) of all loans held at the time of application, including the loan applied for, and the cumulated net income of the beneficiary and his/her first-degree relatives and/or spouse, who participate with income in the repayment of the mortgage loan as co-borrowers, may not exceed 70%
Eligibility criteria for real estate
- It is located on the territory of the Republic of Moldova
- The value indicated in the sale and purchase agreement does not exceed 2 500 000 MDL
- It is finished, put into final operation and registered in the Register of Real Estates (Territorial Cadastral Office - hereinafter OCT), until the submission of the credit application
- It has no hidden defects, material or legal defects
- Not encumbered with a mortgage or other rights of third parties, it is not subject to prohibitions imposed by the court, the prosecuting body, the bailiff, the insolvency administrator or other competent bodies
Accepted income
- Income from salaries
- Other income that is permanent and can be confirmed
Guarantees
- The real estate purchased and the guarantee granted by the state.
Required documents
- Original identity card of the applicant and guarantor, spouse, first degree relative - in case of insufficient personal income
- Credit application, signed by the credit applicant, spouse, guarantor, as appropriate
- Bank statements and/or other supporting documents relating to additional income received
- Employment agreement (guarantor, spouse, first degree relative, if necessary)
- Income statement for the last management year covered by the State Tax Inspectorate (if applicable)
- Other documents that could confirm the existence and provenance of additional sources of income (pensions, transfers from abroad, income from leases, dividends or other sources)
- Certificate issued by the Public Institution “Public Services Agency”, which confirms that the beneficiary owns exclusively
- Documents related to the pledged real estate
- Other documents requested by the bank, if necessary
Information on credit conditions for individuals
- Information on the conditions for issuing unsecured loans to individuals (PDF)
- Information on the conditions for issuing unsecured loans to individuals (Excel)
- Information on the conditions for issuing secured loans to individuals (PDF)
- Information on the conditions for issuing secured loans to individuals (Excel)
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