Overdraft secured with pledge of financial asset

  • Simple procedure;
  • No income analysis;
  • No age restrictions;
  • Opportunity to draw out and repay the principal at your convenience;
  • Interest will be charged only on the utilized amount and only for the time of utilization.

Currency: BGN

Maximum amount:

  • up to BGN 200 000 and
  • up to 90% of the deposit

Maximum Term: up to 3 years (36 months)

Collateral: Pledge of financial asset (deposit)


  • Principal– the utilized credit limit is automatally paid by all amounts received on the  current account;
  • Interest – monthly


Annual Interest Rate

4.10% floating interest rate, based on Base Interest Rate(BIR)* plus fixed margin

As of 01.07.2021 the value of BIR is 0,000

Fees and commissions:

  • One-time application fee and client research fee - BGN 20 ;
  • Prepayment fee - free of charge.

Annual percentage rate (APR): 4.64%calculated for a loan of BGN 10 000 with a repayment period of 1 year, an interest rate of 4.10%, an application fee of BGN 20 and BGN 2 monthly fee for maintenance of the current account with debit card.

Total amount repayable: BGN 10 454

The following assumptions have been made when calculating APR on the loan: 1. The loan has been utilized immediately and entirely, and for the entire term of the contract; 2. The interest rate and other expenses remain constant and will apply until the expiry of the term set.