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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 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 01.07.2024, the applied value of 6-month EURIBOR is 0.378.




  • 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)


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

Fees and commissions

  • Preliminary solvency assessment fee – 50 BGN.The fee is due upon application for mortgage loan pre-approval
  • No loan application fee
  • Solvency assessment and approval fee – 0.20% of the loan amount (min 200 BGN
  • Notary deed preparation fee – 80 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 

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