The preferential consumer loan is aimed at civil servants
NO application fee
Discount on the solvency assessment and approved fee for refinancing loans from other banks and financial institutions
Annual interest rate
The interest rate on the loan starts at 4.75%
and depends on the net income of the applicants, the salary transfer to a BACB account and the use of a credit card.
By concluding a SECURED Instalment Insurance, BACB offers a further 0.50% discount off the interest rate.
The annual interest rate is variable, based on Base Interest Rate (BIR) for BGN plus a fixed margin. As of 01.07.2022, the applied value of BIR is 0.0 /zero/.