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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/.

Calculator

BGN

BACB revolving consumer loan enables you to finance utility bills; to purchase furniture, electronics, household equipment and appliances; to renovate your home or repair your car; to surprise a loved one; to visit your dream destination or simply make a dream come true!
Each new borrower gets a FREE registration for BACB Plus - the first virtual bank in Bulgaria.

Collateral

Pledge of salary* 
*  At the discretion of the Bank a Guarantor may be required, too.

Repayment:

  • Annuity monthly installments or
  • Decreasing monthly installments

Fees and Commissions:

  • NO application fee
  • One-off solvency assessment and approval fee:
    - 0.50% of the loan amount (min 100 BGN) – for refinancing loans from other banks and financial institutions
     – 1% of the loan amount (min 100 BGN) – for a new loan

  • Annual service fee for VISA Classic credit card - BGN 35 /when applicable/
  • No early repayment charge

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