Loan for Non-Residential Property and Land

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Loan:

Sum:

0 lei 20000000 lei

Period:

6 months 180 months

Monthly payment

240 033.61 lei

The interest rate:

12 %

Rata efectiva a dobanzii (DAE):

12.68 %

Details Aplică

Download graph

Monthly payment 240 033.61 lei		DAE 12.68 %	Interest rate 12 %		The total amount of the loan 43 206 050 lei
	Repayment of interest	Payment of commissions	Credit reimbursement	Credit balance	Data	Monthly payment
0				20000000	14.11.2026	20000000
1	200 000.00	0.00	40 033.61	19 959 966.39	14.12.2026	240 033.61
2	199 599.66	0.00	40 433.95	19 919 532.44	14.01.2027	240 033.61
3	199 195.32	0.00	40 838.29	19 878 694.15	14.02.2027	240 033.61
4	198 786.94	0.00	41 246.67	19 837 447.48	14.03.2027	240 033.61
5	198 374.47	0.00	41 659.14	19 795 788.34	14.04.2027	240 033.61
6	197 957.88	0.00	42 075.73	19 753 712.61	14.05.2027	240 033.61
7	197 537.13	0.00	42 496.48	19 711 216.13	14.06.2027	240 033.61
8	197 112.16	0.00	42 921.45	19 668 294.68	14.07.2027	240 033.61
9	196 682.95	0.00	43 350.66	19 624 944.02	14.08.2027	240 033.61
10	196 249.44	0.00	43 784.17	19 581 159.85	14.09.2027	240 033.61
11	195 811.60	0.00	44 222.01	19 536 937.84	14.10.2027	240 033.61
12	195 369.38	0.00	44 664.23	19 492 273.61	14.11.2027	240 033.61
13	194 922.74	0.00	45 110.87	19 447 162.74	14.12.2027	240 033.61
14	194 471.63	0.00	45 561.98	19 401 600.76	14.01.2028	240 033.61
15	194 016.01	0.00	46 017.60	19 355 583.16	14.02.2028	240 033.61
16	193 555.83	0.00	46 477.78	19 309 105.38	14.03.2028	240 033.61
17	193 091.05	0.00	46 942.56	19 262 162.82	14.04.2028	240 033.61
18	192 621.63	0.00	47 411.98	19 214 750.84	14.05.2028	240 033.61
19	192 147.51	0.00	47 886.10	19 166 864.74	14.06.2028	240 033.61
20	191 668.65	0.00	48 364.96	19 118 499.78	14.07.2028	240 033.61
21	191 185.00	0.00	48 848.61	19 069 651.17	14.08.2028	240 033.61
22	190 696.51	0.00	49 337.10	19 020 314.07	14.09.2028	240 033.61
23	190 203.14	0.00	49 830.47	18 970 483.60	14.10.2028	240 033.61
24	189 704.84	0.00	50 328.77	18 920 154.83	14.11.2028	240 033.61
25	189 201.55	0.00	50 832.06	18 869 322.77	14.12.2028	240 033.61
26	188 693.23	0.00	51 340.38	18 817 982.39	14.01.2029	240 033.61
27	188 179.82	0.00	51 853.79	18 766 128.60	14.02.2029	240 033.61
28	187 661.29	0.00	52 372.32	18 713 756.28	14.03.2029	240 033.61
29	187 137.56	0.00	52 896.05	18 660 860.23	14.04.2029	240 033.61
30	186 608.60	0.00	53 425.01	18 607 435.22	14.05.2029	240 033.61
31	186 074.35	0.00	53 959.26	18 553 475.96	14.06.2029	240 033.61
32	185 534.76	0.00	54 498.85	18 498 977.11	14.07.2029	240 033.61
33	184 989.77	0.00	55 043.84	18 443 933.27	14.08.2029	240 033.61
34	184 439.33	0.00	55 594.28	18 388 338.99	14.09.2029	240 033.61
35	183 883.39	0.00	56 150.22	18 332 188.77	14.10.2029	240 033.61
36	183 321.89	0.00	56 711.72	18 275 477.05	14.11.2029	240 033.61
37	182 754.77	0.00	57 278.84	18 218 198.21	14.12.2029	240 033.61
38	182 181.98	0.00	57 851.63	18 160 346.58	14.01.2030	240 033.61
39	181 603.47	0.00	58 430.14	18 101 916.44	14.02.2030	240 033.61
40	181 019.16	0.00	59 014.45	18 042 901.99	14.03.2030	240 033.61
41	180 429.02	0.00	59 604.59	17 983 297.40	14.04.2030	240 033.61
42	179 832.97	0.00	60 200.64	17 923 096.76	14.05.2030	240 033.61
43	179 230.97	0.00	60 802.64	17 862 294.12	14.06.2030	240 033.61
44	178 622.94	0.00	61 410.67	17 800 883.45	14.07.2030	240 033.61
45	178 008.83	0.00	62 024.78	17 738 858.67	14.08.2030	240 033.61
46	177 388.59	0.00	62 645.02	17 676 213.65	14.09.2030	240 033.61
47	176 762.14	0.00	63 271.47	17 612 942.18	14.10.2030	240 033.61
48	176 129.42	0.00	63 904.19	17 549 037.99	14.11.2030	240 033.61
49	175 490.38	0.00	64 543.23	17 484 494.76	14.12.2030	240 033.61
50	174 844.95	0.00	65 188.66	17 419 306.10	14.01.2031	240 033.61
51	174 193.06	0.00	65 840.55	17 353 465.55	14.02.2031	240 033.61
52	173 534.66	0.00	66 498.95	17 286 966.60	14.03.2031	240 033.61
53	172 869.67	0.00	67 163.94	17 219 802.66	14.04.2031	240 033.61
54	172 198.03	0.00	67 835.58	17 151 967.08	14.05.2031	240 033.61
55	171 519.67	0.00	68 513.94	17 083 453.14	14.06.2031	240 033.61
56	170 834.53	0.00	69 199.08	17 014 254.06	14.07.2031	240 033.61
57	170 142.54	0.00	69 891.07	16 944 362.99	14.08.2031	240 033.61
58	169 443.63	0.00	70 589.98	16 873 773.01	14.09.2031	240 033.61
59	168 737.73	0.00	71 295.88	16 802 477.13	14.10.2031	240 033.61
60	168 024.77	0.00	72 008.84	16 730 468.29	14.11.2031	240 033.61
61	167 304.68	0.00	72 728.93	16 657 739.36	14.12.2031	240 033.61
62	166 577.39	0.00	73 456.22	16 584 283.14	14.01.2032	240 033.61
63	165 842.83	0.00	74 190.78	16 510 092.36	14.02.2032	240 033.61
64	165 100.92	0.00	74 932.69	16 435 159.67	14.03.2032	240 033.61
65	164 351.60	0.00	75 682.01	16 359 477.66	14.04.2032	240 033.61
66	163 594.78	0.00	76 438.83	16 283 038.83	14.05.2032	240 033.61
67	162 830.39	0.00	77 203.22	16 205 835.61	14.06.2032	240 033.61
68	162 058.36	0.00	77 975.25	16 127 860.36	14.07.2032	240 033.61
69	161 278.60	0.00	78 755.01	16 049 105.35	14.08.2032	240 033.61
70	160 491.05	0.00	79 542.56	15 969 562.79	14.09.2032	240 033.61
71	159 695.63	0.00	80 337.98	15 889 224.81	14.10.2032	240 033.61
72	158 892.25	0.00	81 141.36	15 808 083.45	14.11.2032	240 033.61
73	158 080.83	0.00	81 952.78	15 726 130.67	14.12.2032	240 033.61
74	157 261.31	0.00	82 772.30	15 643 358.37	14.01.2033	240 033.61
75	156 433.58	0.00	83 600.03	15 559 758.34	14.02.2033	240 033.61
76	155 597.58	0.00	84 436.03	15 475 322.31	14.03.2033	240 033.61
77	154 753.22	0.00	85 280.39	15 390 041.92	14.04.2033	240 033.61
78	153 900.42	0.00	86 133.19	15 303 908.73	14.05.2033	240 033.61
79	153 039.09	0.00	86 994.52	15 216 914.21	14.06.2033	240 033.61
80	152 169.14	0.00	87 864.47	15 129 049.74	14.07.2033	240 033.61
81	151 290.50	0.00	88 743.11	15 040 306.63	14.08.2033	240 033.61
82	150 403.07	0.00	89 630.54	14 950 676.09	14.09.2033	240 033.61
83	149 506.76	0.00	90 526.85	14 860 149.24	14.10.2033	240 033.61
84	148 601.49	0.00	91 432.12	14 768 717.12	14.11.2033	240 033.61
85	147 687.17	0.00	92 346.44	14 676 370.68	14.12.2033	240 033.61
86	146 763.71	0.00	93 269.90	14 583 100.78	14.01.2034	240 033.61
87	145 831.01	0.00	94 202.60	14 488 898.18	14.02.2034	240 033.61
88	144 888.98	0.00	95 144.63	14 393 753.55	14.03.2034	240 033.61
89	143 937.54	0.00	96 096.07	14 297 657.48	14.04.2034	240 033.61
90	142 976.57	0.00	97 057.04	14 200 600.44	14.05.2034	240 033.61
91	142 006.00	0.00	98 027.61	14 102 572.83	14.06.2034	240 033.61
92	141 025.73	0.00	99 007.88	14 003 564.95	14.07.2034	240 033.61
93	140 035.65	0.00	99 997.96	13 903 566.99	14.08.2034	240 033.61
94	139 035.67	0.00	100 997.94	13 802 569.05	14.09.2034	240 033.61
95	138 025.69	0.00	102 007.92	13 700 561.13	14.10.2034	240 033.61
96	137 005.61	0.00	103 028.00	13 597 533.13	14.11.2034	240 033.61
97	135 975.33	0.00	104 058.28	13 493 474.85	14.12.2034	240 033.61
98	134 934.75	0.00	105 098.86	13 388 375.99	14.01.2035	240 033.61
99	133 883.76	0.00	106 149.85	13 282 226.14	14.02.2035	240 033.61
100	132 822.26	0.00	107 211.35	13 175 014.79	14.03.2035	240 033.61
101	131 750.15	0.00	108 283.46	13 066 731.33	14.04.2035	240 033.61
102	130 667.31	0.00	109 366.30	12 957 365.03	14.05.2035	240 033.61
103	129 573.65	0.00	110 459.96	12 846 905.07	14.06.2035	240 033.61
104	128 469.05	0.00	111 564.56	12 735 340.51	14.07.2035	240 033.61
105	127 353.41	0.00	112 680.20	12 622 660.31	14.08.2035	240 033.61
106	126 226.60	0.00	113 807.01	12 508 853.30	14.09.2035	240 033.61
107	125 088.53	0.00	114 945.08	12 393 908.22	14.10.2035	240 033.61
108	123 939.08	0.00	116 094.53	12 277 813.69	14.11.2035	240 033.61
109	122 778.14	0.00	117 255.47	12 160 558.22	14.12.2035	240 033.61
110	121 605.58	0.00	118 428.03	12 042 130.19	14.01.2036	240 033.61
111	120 421.30	0.00	119 612.31	11 922 517.88	14.02.2036	240 033.61
112	119 225.18	0.00	120 808.43	11 801 709.45	14.03.2036	240 033.61
113	118 017.09	0.00	122 016.52	11 679 692.93	14.04.2036	240 033.61
114	116 796.93	0.00	123 236.68	11 556 456.25	14.05.2036	240 033.61
115	115 564.56	0.00	124 469.05	11 431 987.20	14.06.2036	240 033.61
116	114 319.87	0.00	125 713.74	11 306 273.46	14.07.2036	240 033.61
117	113 062.73	0.00	126 970.88	11 179 302.58	14.08.2036	240 033.61
118	111 793.03	0.00	128 240.58	11 051 062.00	14.09.2036	240 033.61
119	110 510.62	0.00	129 522.99	10 921 539.01	14.10.2036	240 033.61
120	109 215.39	0.00	130 818.22	10 790 720.79	14.11.2036	240 033.61
121	107 907.21	0.00	132 126.40	10 658 594.39	14.12.2036	240 033.61
122	106 585.94	0.00	133 447.67	10 525 146.72	14.01.2037	240 033.61
123	105 251.47	0.00	134 782.14	10 390 364.58	14.02.2037	240 033.61
124	103 903.65	0.00	136 129.96	10 254 234.62	14.03.2037	240 033.61
125	102 542.35	0.00	137 491.26	10 116 743.36	14.04.2037	240 033.61
126	101 167.43	0.00	138 866.18	9 977 877.18	14.05.2037	240 033.61
127	99 778.77	0.00	140 254.84	9 837 622.34	14.06.2037	240 033.61
128	98 376.22	0.00	141 657.39	9 695 964.95	14.07.2037	240 033.61
129	96 959.65	0.00	143 073.96	9 552 890.99	14.08.2037	240 033.61
130	95 528.91	0.00	144 504.70	9 408 386.29	14.09.2037	240 033.61
131	94 083.86	0.00	145 949.75	9 262 436.54	14.10.2037	240 033.61
132	92 624.37	0.00	147 409.24	9 115 027.30	14.11.2037	240 033.61
133	91 150.27	0.00	148 883.34	8 966 143.96	14.12.2037	240 033.61
134	89 661.44	0.00	150 372.17	8 815 771.79	14.01.2038	240 033.61
135	88 157.72	0.00	151 875.89	8 663 895.90	14.02.2038	240 033.61
136	86 638.96	0.00	153 394.65	8 510 501.25	14.03.2038	240 033.61
137	85 105.01	0.00	154 928.60	8 355 572.65	14.04.2038	240 033.61
138	83 555.73	0.00	156 477.88	8 199 094.77	14.05.2038	240 033.61
139	81 990.95	0.00	158 042.66	8 041 052.11	14.06.2038	240 033.61
140	80 410.52	0.00	159 623.09	7 881 429.02	14.07.2038	240 033.61
141	78 814.29	0.00	161 219.32	7 720 209.70	14.08.2038	240 033.61
142	77 202.10	0.00	162 831.51	7 557 378.19	14.09.2038	240 033.61
143	75 573.78	0.00	164 459.83	7 392 918.36	14.10.2038	240 033.61
144	73 929.18	0.00	166 104.43	7 226 813.93	14.11.2038	240 033.61
145	72 268.14	0.00	167 765.47	7 059 048.46	14.12.2038	240 033.61
146	70 590.48	0.00	169 443.13	6 889 605.33	14.01.2039	240 033.61
147	68 896.05	0.00	171 137.56	6 718 467.77	14.02.2039	240 033.61
148	67 184.68	0.00	172 848.93	6 545 618.84	14.03.2039	240 033.61
149	65 456.19	0.00	174 577.42	6 371 041.42	14.04.2039	240 033.61
150	63 710.41	0.00	176 323.20	6 194 718.22	14.05.2039	240 033.61
151	61 947.18	0.00	178 086.43	6 016 631.79	14.06.2039	240 033.61
152	60 166.32	0.00	179 867.29	5 836 764.50	14.07.2039	240 033.61
153	58 367.64	0.00	181 665.97	5 655 098.53	14.08.2039	240 033.61
154	56 550.99	0.00	183 482.62	5 471 615.91	14.09.2039	240 033.61
155	54 716.16	0.00	185 317.45	5 286 298.46	14.10.2039	240 033.61
156	52 862.98	0.00	187 170.63	5 099 127.83	14.11.2039	240 033.61
157	50 991.28	0.00	189 042.33	4 910 085.50	14.12.2039	240 033.61
158	49 100.85	0.00	190 932.76	4 719 152.74	14.01.2040	240 033.61
159	47 191.53	0.00	192 842.08	4 526 310.66	14.02.2040	240 033.61
160	45 263.11	0.00	194 770.50	4 331 540.16	14.03.2040	240 033.61
161	43 315.40	0.00	196 718.21	4 134 821.95	14.04.2040	240 033.61
162	41 348.22	0.00	198 685.39	3 936 136.56	14.05.2040	240 033.61
163	39 361.37	0.00	200 672.24	3 735 464.32	14.06.2040	240 033.61
164	37 354.64	0.00	202 678.97	3 532 785.35	14.07.2040	240 033.61
165	35 327.85	0.00	204 705.76	3 328 079.59	14.08.2040	240 033.61
166	33 280.80	0.00	206 752.81	3 121 326.78	14.09.2040	240 033.61
167	31 213.27	0.00	208 820.34	2 912 506.44	14.10.2040	240 033.61
168	29 125.06	0.00	210 908.55	2 701 597.89	14.11.2040	240 033.61
169	27 015.98	0.00	213 017.63	2 488 580.26	14.12.2040	240 033.61
170	24 885.80	0.00	215 147.81	2 273 432.45	14.01.2041	240 033.61
171	22 734.32	0.00	217 299.29	2 056 133.16	14.02.2041	240 033.61
172	20 561.33	0.00	219 472.28	1 836 660.88	14.03.2041	240 033.61
173	18 366.61	0.00	221 667.00	1 614 993.88	14.04.2041	240 033.61
174	16 149.94	0.00	223 883.67	1 391 110.21	14.05.2041	240 033.61
175	13 911.10	0.00	226 122.51	1 164 987.70	14.06.2041	240 033.61
176	11 649.88	0.00	228 383.73	936 603.97	14.07.2041	240 033.61
177	9 366.04	0.00	230 667.57	705 936.40	14.08.2041	240 033.61
178	7 059.36	0.00	232 974.25	472 962.15	14.09.2041	240 033.61
179	4 729.62	0.00	235 303.99	237 658.16	14.10.2041	240 033.61
180	2 376.58	0.00	237 657.03	1.13	14.11.2041	240 033.61

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.

Interest Rate and Costs

Required documents

Eligibility requirements

About the Loan

The interest rate for the "Imobiliar Flexibil" mortgage loan 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

Client Category	Annual Interest Rate	Annual Effective Interest Rate (APR / DAE)	Fees
Category 1	12.00%	12.69%	One-time origination fee – 0%
Category 2	11.50%	12.13%
Category 3	11.50%	12.13%
Category 4	11.50%	12.13%

Loans granted in EUR and USD

Loan Currency	Annual Interest Rate	Annual Effective Interest Rate (APR / DAE)	Fees
EUR (including EUR-linked)	8.00%	8.30%	One-time origination fee – 0%
USD (including USD-linked)	9.00%	9.38%

*The APR (DAE) 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 a Positive Credit History (clients who possess a positive credit history and proper payment behavior).
Category 3 – Preferential Clients (employees of companies with salary projects 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 their home (ESG)).

Related Loan Costs

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

loan interest (APR / DAE);
origination fee (if applicable);
property appraisal costs;
notary and mortgage registration costs;
mandatory insurance of the mortgaged property.
All costs are communicated transparently before the loan agreement is signed.

Representative Calculation Examples

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

interest rate: 12.00%;
APR (DAE): 12.69%;
fees: 0%.
Results:
Estimated monthly payment: ≈ 30,004.20 MDL;
Total amount to be repaid: ≈ 5,400,756 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: 11.50%;
APR (DAE): 12.13%;
fees: 0%.
Results:
Estimated monthly payment: ≈ 29,204.70 MDL;
Total amount to be repaid: ≈ 5,256,854 MDL.

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

interest rate: 8.00%;
APR (DAE): 8.30%;
fees: 0%.
Results:
Estimated monthly payment: ≈ 477.8 EUR;
Total amount to be repaid: ≈ 86,009 EUR.

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

interest rate: 9.00%;
APR (DAE): 9.38%;
fees: 0%.
Results:
Estimated monthly payment: ≈ 507.10 USD;
Total amount to be repaid: ≈ 91,284 USD.

Note

The above information is for guidance purposes only. The APR (DAE) and final values may vary depending on the loan origination date, loan currency, and the specific terms of the contract.

Any individual who meets all of the following requirements may apply for the Loan for Non-Residential Property and Land:

Is a citizen of the Republic of Moldova.
Is domiciled in the Republic of Moldova, according to the State Population Register. An exception applies to Bank employees who live or have a registered residence in the localities mentioned above.
Is between 21 and 70 years of age on the final repayment date.
Has a regular and stable income.
Has no adverse credit history in the past 36 months. One instance of late payment lasting up to 60 days is permitted. Credit history is verified through a credit bureau report (including Via Scope, Infodebit, and Dator Co SRL).
Has no criminal proceedings pending before a court, no unspent criminal convictions, and no criminal sentences currently being served.

Loan security requirements

The applicant must provide security acceptable to the Bank, depending on the loan amount and the nature of the loan.
If the Bank requires guarantors, they must have no adverse credit history.

Important information

The Bank assesses loan applications using its internal evaluation criteria.
The loan is granted subject to the Bank’s final approval.

EuroCreditBank’s Loan for Non-Residential Property and Land helps you buy a non-residential property or a plot of land, finance repairs to a non-residential property, or refinance a loan taken out for any of these purposes.

Loan purpose

Purchase of non-residential property or land.
Repairs to non-residential property.
Refinancing of loans taken out for these purposes.

Loan amount

Up to 100% of the value of the non-residential property.

Loan term

Up to 180 months (15 years).

Grace period

A grace period of up to 6 months is available under the terms of the loan agreement.

Repayment

Payments are due monthly on the date specified in the loan agreement.
The loan is repaid in equal instalments throughout the loan term (annuity repayment schedule).

Loan security

A mortgage over real estate accepted by the Bank in accordance with its internal rules and applicable law. The collateral value must be at least 110% of the loan amount.
Assignment of rights to funds held in the borrower’s accounts with the Bank.
A deposit held with the Bank equal to at least 110% of the amount disbursed. The funds remain blocked throughout the loan term.
Where required, guarantees from third parties with a positive credit history or no credit history.

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