"First house" loan

When you can benefit from the compensation granted from the state budget in the amount of 50% of the secured credit balance. You shall meet the following eligibility criteria:

• to act within the public authorities/ public institutions fully financed from the component budgets of the national public budget, public medical institutions, financially autonomous state higher education institutions
• to have at least in total one year of employment at the public authorities/ institutions without interruption of employment during that period
• not to have employment relationship suspended in connection with being on leave for caring a child, a sick family member, a child with disabilities or as a result of participation in various forms of professional development events organized at the initiative or in the interest of the authority/ public institution, for a period not exceeding one year
• not to be subject to disciplinary sanctions during the last year of activity
• to have contracts concluded in accordance with the Regulation for the implementation of the State Program “First House”, approved by the Decision of the Government of the Republic of Moldova no. 202 of 28.02.2018
• to purchase/choose a dwelling, the cost of which should not exceed 600,000 MDL (the value indicated in the sale and purchase contract)

You shall apply for the compensation from the state budget independently (without involving the bank), including:

a.
to record in the Electronic Register of applications for compensations (available on the official website of the State Program “First House” - www.primacasa.gov.md after signing the contracts in accordance with the Regulation for the implementation of the Program State “First House”, approved by the Decision of the Government of the Republic of Moldova no. 202 of 28.02.2018

b.
to upload the following scanned documents in the Electronic Register of applications for compensations:

• the sale and purchase contract
• the credit contract
• the mortgage contract
• the document signed by the employer regarding the date of employment of the applicant at the public authority/ public institution, as well as the confirmation of the lack of disciplinary sanctions during the last year of activity
• no dwelling shall have been purchased through the Program by spouses

• Identity card (applicant, spouse/ co-debtors (if applicable)

• Documents proving the income of persons who do NOT collect income at Victoriabank:

  • Employment contract + all subsequent agreements
  • Salary certificate (valid for 15 calendar days from the date of issuance)
  • Documents confirming other types of income considered in addition to the basic income of the applicant (military pension, real estate lease contract, remittances, income from entrepreneurial activity)
  • Certificate issued by the Public Services Agency confirming that the beneficiary owns, independently or jointly with the spouse, or the beneficiary's spouse owns independently, a dwelling, the area of which is less than the area of the dwelling purchased under the Program (as the case may be)

• Documentele aferente imobilul procurat şi adus în garanţie:

  • Title deeds related to the real estate and the identity card of sellers
  • Valid excerpt issued by Public Services Agency
  • Sale and purchase pre-contract, from which the value of the transaction, the advance paid and the remaining payment difference follow
  • Proof of the advance payment (e.g. current account statement, deposit, Escrow or a relevant statement in the pre-contract)
  • Real estate valuation report, prepared by an independent valuer approved by Victoriabank