DREAMS COME TRUE Mortgage Loan

Flexible mortgage lending
Now with an interest rate of 2.7% and NO application fee

The DREAMS COME TRUE mortgage loan is suitable for:

• Purchase or repair of real estates
• Refinancing of mortgage loans of the applicant or third physical entity, disbursed by other banks
• Financing current needs

Annual interest rates:

The interest rate on the loan starts at

2.70%

and depends on the insurable earnings of the applicants and the purpose of the loan. 

The annual interest rate is variable, based on 6-month EURIBOR for EUR plus a fixed margin.As of January 01, 2026, the applied value of 6-month EURIBOR is 0.378.

Collateral

• Property
• Pledge of BACB account / deposit receivable in BGN and other currency, opened at BACB, owned by the loan applicant or a third natural person

Grace Period on principal

May be used for the first 6 months of the loan’s term and upon completion of the first year of the loan’s term – for another 6 months (one-off event)

Repayment

• With annuity monthly installments
• Or with non-annuity monthly installments

Fees and commissions

• Preliminary solvency assessment fee – 50 BGN (25.56 EUR).The fee is due upon application for mortgage loan pre-approval
• No loan application fee
• Early Repayment Fee - 1% of the loan amount repaid early when the loan is repaid before 12 monthly repayments have been made since the loan was drawn down
• Notary deed preparation fee – 50 EUR (97.79 BGN)
• Appraisal and assessment of collateral fee – in accordance with BACB List of terms and conditions
• Preparation of a mortgage deletion agreement fee – in accordance with BACB List of terms and conditions
• Property insurance, payable by the borrower