Corporate bonds maib are a simple, accessible way to put your money to work. In essence, when you buy a bond, you're lending the bank a set amount of money for a fixed term, and in return the bank pays you interest every month directly into your account, then returns your full investment once the term is up.

A safe investment, backed by maib

Safety comes first when it comes to maib corporate bonds. These financial instruments are issued by maib, one of the largest and most trusted banks, which means your investment is backed by the bank's strength and reputation. Maib uses the funds raised through its bonds to grow, and has the resources to offer you stability: the bank pays your interest on time and repays your invested amount at maturity. You can take advantage of this opportunity knowing your money is safe, under the umbrella of a leading financial institution with solid plans for the future and a healthy financial position.

Monthly interest, paid straight to your account

One of the most appealing things about maib bonds is the monthly interest, known as the coupon. Each month, the amount corresponding to your accrued interest lands in your account automatically, with no extra effort on your part. This steady stream of income can add a welcome layer of financial comfort whether you think of it as a boost to your regular income or a reward for putting your savings to work. Over all 3 years of the investment, the accrued interest is paid out monthly, so you can enjoy the benefits of your investment right up to maturity.

A 3-year investment, with guaranteed repayment

Maib corporate bonds have a 3-year circulation period, a reasonable timeframe for an investment. This gives you the chance to earn substantial monthly interest while knowing exactly when you'll get your money back. At the end of the 3 years, repayment is guaranteed, maib will return the full amount you originally invested. You know from day one how long the investment runs and when the money will land back in your account, which makes it easier to plan your finances with confidence. In short, your savings work for you over 3 years, generate monthly interest income, and at the end you come away with your original savings intact plus everything you've earned along the way.

Access to your money — early redemption

Although the standard investment term is 3 years, maib gives you flexibility. If you need funds sooner, you can withdraw your money before maturity. The process is simple: just submit an early redemption request at any maib branch during the eligible window, and the bank will redeem your bonds (up to 250 bonds per issuance, per person) at their nominal value (i.e. the original price). That way, you can access your savings without necessarily waiting for the 3-year maturity date. This voluntary liquidity option gives you peace of mind, your investment isn't completely locked in, you stay in control of your money, and you can get it back whenever you need to, while keeping the interest accrued up to that point.

You can also sell your bonds on the stock exchange

Another feature that adds flexibility is that maib corporate bonds are listed on the Regulated Market of the Moldova Stock Exchange. That means, if you wish, you can sell them at any time to other investors through an investment firm accredited on the exchange, rather than relying solely on early redemption. You have the freedom to trade your bonds on the capital market, giving you an extra way to recover your investment ahead of maturity. Of course, that decision is entirely up to you - you can hold your bonds to maturity to collect all the interest and the final repayment, or take advantage of opportunities on the capital market, keeping full control over your investment.

How do you invest in maib bonds?

Becoming an investor in maib corporate bonds is very easy. The bank has streamlined the subscription process so anyone can invest without any hassle. Here's what to do if you want to put your savings to work through this financial instrument:

• visit any maib branch during the subscription period. With your ID card and the amount you want to invest, submit a subscription request, sign the subscription agreement, and transfer the funds to the account specified in the agreement. It's all handled on the spot, in a straightforward and transparent way;
• request information online. If you prefer convenience, you can fill out the online form on the official maib website, indicating your interest in investing in bonds. A maib specialist will then get in touch with all the details you need and guide you through the remote subscription process.

Whichever route you choose, there are no hidden fees for investing in bonds, and the maib team is on hand for any questions. Once you’ve subscribed and the issuance is registered with the regulators, you officially become a holder of maib corporate bonds and start receiving monthly interest into your designated account. It all happens naturally, so you can watch your savings generate income effortlessly while you go about your everyday life.

Invest with confidence in your future

Now is a good time to think about the future and invest in your plans with confidence. Through maib corporate bonds, your savings are protected and working for you, giving you financial security and solid prospects. Whether you're saving for an important personal project, for your family's future, or simply want to secure a peaceful future for yourself, this instrument gives you the confidence and support you need. Maib accompanies you every step of the way toward your goals, making sure your money grows safely.

It's never too early to plan your financial future. Invest smart, simple, and secure with maib, and enjoy the rewards of your well-informed choice over 3 years. With every monthly interest payment and the guarantee of full repayment at the end, you can be confident your future is in good hands. All it takes is trust in yourself and in your financial partner – together, we can turn plans into reality.

For more details about maib corporate bonds, visit the product page.