The preferential consumer loan is for employees of the state, regional and municipal administrations.
NO application fee
Through a consumer loan of BACB you may finance:
- Current utility bills;
- Purchase of furniture, household equipment or household appliances;
- House or car repairs;
- Your or your children’s education;
- Your trips or holidays;
- Your or your loved ones’ medical treatments;
- Your family events;
- Simply making your dreams come true.
- For each new borrower - FREE registration at BACB Plus, the first virtual bank in Bulgaria.
Maximum amount: BGN 50 000
Maximum term: 10 years ( 120 months)
Collateral – pledge of salary*
* At the discretion of the Bank a Guarantor may be required, too.
- annuity monthly installments
- decreasing monthly installments
Interest rate (per annum)
Loans for applicants with insurable income of BGN 1 400 and more4.25% floating interest rate, based on Base Interest Rate(BIR)* plus fixed margin
Loans for applicants with insurable income of BGN 800 and more4.50% floating interest rate, based on Base Interest Rate(BIR)* plus fixed margin
Loans for applicants with insurable income below BGN 1 0005.70% floating interest rate, based on Base Interest Rate(BIR)* plus fixed margin
*As of 01.07.2021 the applied rate of the BIR is 0,000
These interest rates are valid for the transfer of salary to a bank account and use of a credit card / opening a deposit "Everythink is OK"
BACB offers a further 0.50% discount on the above interest rates, if you conclude a “Secured Instalment“ Insurance.
Fees and Commissions:
- No application fee
- Fee for approval – 1.25% of the loan amount (min 125 BGN)
- Annual fee for servicing a VISA Classic credit card - BGN 35 /when applicable/
- Prepayment fee - free of charge.