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NO application fee

Flexible to market changes, stable towards you!

Rest assured the interest rate will not go up in case of up to 0.50% BIR or 6-month EURIBOR increase.

 

PLAN YOUR TOMORROW Mortgage Loan is suitable for

  • Purchase and renovation of property
  • Refinancing of mortgage loans granted to the borrower or a third-party individual by other banks

Annual interest rates on loans in BGN and EUR

3.59%

Applicable in the first year

2.99%

Applicable in 2 and 3 year, 6 and 7 year, 10 and 11 year, 14 and 15 year and thereafter biannually until the final deadline for the repayment of the loan

3.29%

Applicable in 4 and 5 year, 8 and 9 year, 12 and 13 year, 16 and 17 year and thereafter biannually until the final deadline for the repayment of the loan

Interest rates are applicable if the applicant is liable with all their properties.

The annual interest rate is variable, based on base interest rate (BIR) for BGN or 6-month EURIBOR for EUR plus a fixed margin. As of 01.01.2022, the applied value of BIR and a 6-month EURIBOR is 0.0 /zero/.

Collateral

  • Property
  • Pledge of BACB deposit / savings deposit receivable in BGN and / or another currency, and owned by the borrower or a third-party natural person

Grace period on the 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

Monthly repayment installments

Fees and commissions

  • Preliminary solvency assessment one-off fee – 50 BGN
  • NO Loan application fee
  • Approval fee – 0.20% of the loan amount (min 200 BGN)
  • Early repayment charge – 1% of the early repaid loan amount, when the loan is repaid prior to the payment of 12 monthly repayment instalments since its utilization
  • Notary deed preparation fee – 80 BGN
  • Collateral viewing and valuation fee – as per BACB List of terms and conditions
  • Fee for preparation of a mortgage annulment contract – as per BACB List of terms and conditions
  • Property insurance – at the expense of the borrower

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