Documents for real estate loan processing
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Incomes
Here you will find the necessary information regarding the document package depending on your incomes
• Salary or pension;
• Money transfers from abroad;
• Income in the form of dividends or from rentals.
Required documents:
Identity Card
Salary certificate
If income is confirmed through the State Tax Service database, presenting a salary certificate is not mandatory.
In other cases, a salary account statement or a salary certificate, the form of which can be downloaded here, must be provided. The certificate must be completed by the employer. The account statement can be obtained directly in Internet Banking or at the bank branch.
Property title deed
The property title deed and documents confirming the right of ownership to the pledged property can be obtained from the State Services Agency or the Territorial Cadastre Office.
The provided title deed must not exceed 60 days from the date of issue.
Certificate issued by the State Services Agency
The certificate issued by the State Services Agency confirms that the area of the residential premises, owned solely or jointly with other family members by the Program Beneficiary and, where appropriate, spouse, does not exceed the area of the housing purchased under the Program.
This certificate can be requested online from the State Services Agency, as well as from the Territorial Cadastre Office.
Appraisal report
The appraisal report for the property offered as collateral for the mortgage can be ordered independently. If you are applying for financing at the maib Mortgage Center, you can order the report right there. The list of appraisal companies approved by maib can be found by following the link.
Documents confirming the purpose of the loan
The purpose of the loan must be confirmed by one of the following documents:
- preliminary purchase agreement;
- preliminary approval;
- deposit agreement;
- deposit payment receipt.
Documents confirming the down payment
You can confirm the down payment with one of the following documents:
- receipt for the advance payment;
- notarized deposit agreement;
Required documents:
Identity Card
Real Estate Registry Extract
The provided extract should not exceed 60 days from the date of issue.
Appraisal Report
Loan balance certificate
Second rank letter
Other documents
- Loan agreement;
- Monthly payment schedule;
- Mortgage agreement;
- Additional agreements to the Loan agreement;
- Additional agreements to the Mortgage agreement.
Incomes
The following documents are required to apply for a mortgage loan:
Leave us your details, and a mortgage consultant will contact you to discuss the options available for you.
Identity Card
ID card
The bank reserves the right to request supporting documents regarding your income in order to meet the prudential requirements specific by the parties.
Real estate evaluation
To apply for a loan, you need a property appraisal report prepared by a company agreed upon by the parties. Request the appraisal report online.
For income confirmation
- For clients officially employed in the RM: if necessary, salary account statement or salary certificate.
- For clients employed abroad or freelancers from abroad: a bank card statement (at a bank other than maib) must be presented, showing the salary and/or service receipts. In addition, the employment contract or any other document proving the employment/provision of services and the declaration on the payment of taxes on the income received must be presented (if applicable, but if there are such documents, it would be better to present them in original to the bank). Py slips are not accepted without a salary card statement.
- For clients with dividends: financial statements for the current and previous year, shareholders' minutes of distributing dividends, and bank statements showing dividend receipts (if received at a bank other than maib). In the case of dividends paid in cash, documents confirming their issue and proof of payment of taxes will be required.
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For clients practising one of the legal professions: statement of the account where the income is received.
- For notaries: accounting documents attesting to the expenses of the notary's office must also be submitted.
- For clients with copyright assignment income: copyright assignment contract/certificate of the amount of income and statement of the bank account where the income is received.
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For clients with income from rent/rent/lease: valid rent/rent/lease contract (registered with the SFS) and Release Orders/Payment slips for rent/rent/lease payments or statement of the account opened with maib or other financial institution, either in electronic or paper format.
- the statement of account is submitted in electronic format or on paper signed/stamped only if the income is received through banks in the RM other than maib.
- the bank has the right to request any other document in analysing and approving the client's request.
Mandatory annual property insurance
Once you have obtained a mortgage loan, it's important to insure the mortgaged property. There are two main types of insurance you can consider: mandatory home insurance and optional home insurance. The mandatory one is required by law and is necessary for all mortgaged homes. Its cost is on average 1000 MDL, depending on the mortgaged property. Optional insurance is a personal choice, but it can help you better protect your investment.
Documents confirming the purpose of the loan
- preliminary purchase agreement;
- deposit agreement;
- receipt for the advance payment;
- receipt for the deposit payment.
Documents confirming the down payment
You can confirm the down payment with one of the following documents:
- receipt for the advance payment;
- notarized deposit agreement.
Documents confirming other incomes
- Agreement, officially registered with the State Fiscal Service;
- Bank account statement confirming receipt of amounts;
- Act confirming receipt of amounts.
- Bank statement for the last 12 months (the statement will be provided if dividends are accounted for in bank accounts; if they are registered with the State Tax Service, other confirming documents are not required);
- Declaration of a legal entity for profit tax for the previous year;
- Minutes of the General Meeting of members of the Company or Decision of the sole founder on the distribution of net profit;
- Accounting statements on the actual distribution of profits from previous years.
- The deposit must be opened in maib commercial bank and pledged for the requested loan.
- Contract for the assignment of copyright;
- Certificate of income from the assignment of copyright;
- Bank statement from maib or another financial institution.
Identity Card
Appraisal report
The appraisal report for the property offered as collateral for the mortgage can be ordered independently. If you are applying for financing at the maib Mortgage Center, you can order the report right there.
Approved list of appraisal companies by maib can be found by following the link.
Employment contract
The employment contract must be translated into the state language by an authorized translator, except for documents in Romanian, Russian, and English.
Service contract
The service contract must be translated into the state language by an authorized translator, except for documents from Romania.
Salary card statement
The salary card account statement for the last 3 months must be provided in paper or electronic form and must be translated into the state language by an authorized translator, except for documents from Romania.
Pay stubs
Pay stubs for the last 3 months provided on paper with translation into the state language by an authorized translator, except for documents from Romania.
Annual income statement
Annual income statement confirming tax payment from a foreign state, provided on paper, translated into the state language by an authorized translator, except for documents from Romania.
Receipts for money transfers
Receipts for transfers through money transfer systems from abroad to the Republic of Moldova, confirming the transfer to the same person in the amount of at least 500 euros.
Documents confirming the purpose of the loan
- preliminary purchase agreement;
- preliminary agreement;
- deposit agreement;
- receipt for the deposit payment.
Documents confirming the down payment
- receipt for the advance payment
- notarized deposit agreement.
*Documents provided from abroad, except for documents from Romania, must be translated into the state language and certified by an authorized translator.
Identity Card
Report on mortgage assets
Documents confirming the down payment (e.g., notarized receipt or notarized deposit agreement, etc.)
Documents confirming the purpose of the loan (preliminary purchase agreement or agreement, deposit agreement or receipt for the deposit payment)
Receipts confirming money transfers
- Receipts for transfers through maib (minimum 200 euros) for the last three months, or
- Statement of account for transfers received through maib (minimum 200 euros) for the last three months.
*Documents provided from abroad, except for documents from Romania, must be translated into the state language and certified by an authorized translator.
