Come into any Branch or the Mortgage Center with the necessary paperwork and we will start the process.

• 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%

• ​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​

• Income from salaries​
• Other income that is permanent and can be confirmed​

• The real estate purchased and the guarantee granted by the state.​​

List of valuation companies approved by the Bank.

• Original identity card of the applicant and guarantor, spouse, first degree relative - in case of insufficient personal income​
• 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​