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  • 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 4.85%

and depends on the insurable earnings of the applicants, transfer of salary to a bank account and use of a credit card/ opening IT'S ALL GOOD Deposit.

If you conclude a SECURED Instalment Insurance, BACB offers a further 0.50% discount on the interest rate.

The annual interest rate is variable, based on Base Interest Rate (BIR) for BGN plus a fixed margin. As of 01.01.2023, the applied value of BIR is 0.0 /zero/.

Calculator

BGN

BACB Standard 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!

Collateral   

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

Repayment

  • Аnnuity 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 125 BGN) – for refinancing loans from other banks and financial institutions
    – 1.25% of the loan amount (min 125 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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