Consumer Loan Secured with Pledge of Financial asset

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  • SIMPLIFIED procedure
  • NO solvency assessment
  • No age restrictions

Annual interest rates: 

2.50%

but not less than the interest on the deposit + 1.5 b.p.

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. 

Currency

EUR*

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

Maximum Amount

  • And up to 90% of the deposit in EUR
  • And up to 80% of the deposit in USD

Maximum Term: 

Up to 3 years (36 months)

Collateral

Pledge of financial asset (deposit) at BACB.

Repayment

  • Annuity monthly installments or
  • With a single payment of the principal amount on the loan maturity date and monthly payment of the interest due, or
  • Decreasing monthly installments

Fees and Commissions

  • NO Early Repayment Charge

Documents

Video chat

Contact our consultant