To apply for a mortgage loan under the “Casa Ta” or “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 conditions presented below are offered under the “Acasă Plus” promotional campaign, valid from March 1 to August 31, 2026.

For mortgage loans “Casa Ta” and “Reparație” granted during the promotional period:

• The interest rate is fixed until January 31, 2027.
• Starting from February 1, 2027, the interest rate becomes floating and is calculated according to the formula: Reference Rate + Bank’s fixed margin of 4.0 p.p.

Applicable Promotional Rates

APR (DAE) is calculated based on a representative example and may vary depending on the loan amount, term, down payment, and applicable costs.

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 Examples

Examples for a loan of 2,500,000 MDL granted for 240 months with annuity repayment.

Loan with 8.20% interest rate

• Interest rate: 8.20%
• APR (DAE): 8.51%
• Monthly installment: 21,223.20 MDL
• Total repayment amount: 5,093,579 MDL

Loan with 8.50% interest rate

• Interest rate: 8.50%
• APR (DAE): 8.85%
• First installment: 21,695.60 MDL
• Total repayment amount: 5,206,939 MDL

Loan with 9.00% interest rate

• Interest rate: 9.00%
• APR (DAE): 9.38%
• First installment: 22,493.15 MDL
• Total repayment amount: 5,398,356 MDL

The above values are indicative and may vary depending on the loan amount, term, down payment, and specific contractual conditions.

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.