- Dream to have your own apartment?
- Are you paying rent ?! Pay rates for your own apartment and become its owner.
- You can not tighten the amount needed to buy a house?
- Your home requires renovation and you are tired of doing everything in small steps?
TOP Leasing&Credit offers you the most advantageous solution through the mortgage loan, intended for the purchase, construction and renovation of the property
What are the benefits of contracting a mortgage loan through TOP LEASING & CREDIT?
- Maximum period of funding – 10 years
- No fee for file analysis
- Then answer within 3 days
- To pay for the loan, we accept all the sources of income (salary, income from remittances, rental income, entrepreneurial income)
”I received the approval one day and the lending procedure was very simple. Thank you very much”
– Minimum loan amount – 5 000 EUR (or equivalent in USD), but not more than 70% of market value of the apartment (it`s posible a funding to 100% with an additional pledge)
– As pledge can serve the purchased property, or another property
– Currency of funding EUR and USD
– It is possible to pay in advance, to extend the term of loan, to get an additional loan
Costs incurred by the client?
- Loan Application Fee 1.8%
- Annual interest rate of 12.50% in EUR or USD
Monthly management fee 0,20% of the outstanding debt
- Property insurance and work capacity of the client
The procedure for obtaining a mortgage loan is a simple one.
- Filling the request and presenting the necessary income documents for analysis
- Real estate valuation
- Loan approval
- Contracts signing (loan, mortgage, etc.)
- Loan transfer is made after the registration of the mortgage
Documents necessary for individuals:
1. Certificate of net monthly salary > Download the certificate of salary
2. Identification Card (copy)
3. Identification Card (copy) of wife/husband
4. Property documents (copy)
5. Employment record book (copy)
6. Health Insurance Policy
7. Invoices for the used utilities (telephone, gas, electricity, etc.)
For loan application it is necessary to present the following documents:
1. Constitutive act/ Statute of the society and other incorporation documents and their amendments.
2. Society Registration Certificate.
3. Extract of the State Register on associates and administrator – with maximum term of 3 months from its issue.
4. Order of Appointment of Administrator.
5. Copy of identity cards of responsible persons (administrator, chief-accountant).
6. Activity Licenses.
7. Tax Registration Certificate.
8. *Annual Balance Sheet certified for the last year with all annexes and balances in December.
9. *Quarterly Statistical Report No. 5-C on consumptions and spending.
10. Deciphering the main accounts of balance sheet in comparison with current situation (debtors, creditors, fixed assets, etc.).
*for the new established firms personal guarantees of administrators or other firm with history in capacity of guarantor can be presented.
For concluding a loan contract it is necessary to attach the following documents:
1. Copies of identity cards of persons authorized to represent legal person.
2. Decision of the Board of Trustees or General Assembly of Associates/Company Shareholders, for signing the leasing contract, specifying the value, duration, object of the Contract, the person who is authorized to sign the leasing contract (indicating personal data).
3. The last account extract.
4. Copy of the sheet with the samples of signatures from the bank.
Apply online or Contact us to set up a meeting - 0 22 835 820
Frequent questions
CONTACT US
Republica Moldova, mun. Chişinău, str. Alexandru cel Bun, 108/1, et.3
tel.: (+373 22) 83.58.20, fax: (+373 22) 83.58.27
e-mail: office@topleasingcredit.md
Maria GORNEȚ, Comercial Director
tel.fix: 022 835 820
mobil: 069 062 280
Andrei BURLACU, Sales Manger
tel.fix: 022 835 820
mobil:068 343 933
Cristina CEBANU, Sales Manger
tel.fix: 022 835 820
mobil: 069 099 227