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  • SIMPLIFIED procedure
  • NO solvency assessment
  • No age restrictions
  • Each new borrower gets a FREE registration at BACB Plus, the first virtual bank in Bulgaria

Annual interest rates on loans in BGN and EUR

2.70%

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 01.07.2022, the applied value of BIR is 0 / zero/ and the applied value of 6-month EURIBOR is 0.2780 .

The interest rate, as indicated, is only valid if all deposits serving as collateral are "standard" according to the current BACB Interest Rate Bulletin.
The fixed margin is increased by 1%, even if only one of the deposits used as collateral is other than "standard" according to the current BACB Interest Rate Bulletin

Calculator

BGN

Currency

BGN, EUR*

* If the loan currency differs from the pledged deposit currency, the loan is granted in BGN only

Maximum Amount

  • 200 000 BGN or their equivalence in the respective currency
  • And up to 90% of the deposit

Maximum Term: 

Up to 3 years (36 months)

Collateral

Pledge of financial asset (deposit) at BACB.

Repayment

  • Annuity monthly installments or
  • One-time payment of the principal on maturity date of the loan and monthly payment of interest due or
  • Decreasing monthly installments

Fees and Commissions

  • NO application fee
  • Solvency assessment and approval fee - 50 BGN
  • NO Early Repayment Charge

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