DREAMS COME TRUE Mortgage Loan

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

Promotional offer for the period
from August 18, 2025, to December 31, 2025:
NO fee for negotiation, legal analysis of collateral and documentation

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 on loans in BGN and EUR

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 July 01, 2025, 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
• Fee for credit agreement, collateral analysis and documentation:
  - for a credit up to 200 000 BGN - 300BGN (153.39 EUR)
  - for a credit from 200 000.01 to 400 000 BGN - 600 BGN (306.78 EUR)
  - for a credit from 400 000.01 to 500 000 BGN - 800 BGN (409.03 EUR)
  - for a credit over 500 000.01 BGN - 800 BGN (409.03 EUR) + 0.1% from the difference between the approved loan amount and 500 000 BGN
• 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 – 100 BGN (51.13 EUR)
• 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