DBank Consumer loans
Consumer loan Consolidation
When you have several loans, credit cards, lease payments and / or you have purchased goods on installment and you want to repay them easily and conveniently, reducing your costs, then our consumer loan Consolidation is your solution
Consumer loan Consolidation
Advantages:
- Combine your loans from other banks or financial institutions into one
- You reduce your costs and pay only one smaller monthly installment
- Save time and effort - easy and convenient
- Use more favorable interest rates and pay lower monthly installments
- Get an additional amount for current needs at your request
Parameters:
Up to 120 months
Loan for consolidation of liabilities with the possibility to use at your choice an additional amount for current needs (up to 50% of the loan amount)
Transparent and favorable interest rates formed by Applicable Index for Individuals plus margin
Without a guarantor - up to EUR 10,000 With a guarantor - up to EUR 20,000 
Collateral - salary transfer, transfer of 150% of the monthly repayment installment on the loan or guarantor
Lower interest rates when using Moderato, Allegro or Online package program and activating a MasterCard credit card
Example:
| Remaining liability | Monthly installment | ||
|---|---|---|---|
| Liabilities | Stock credit Credit card Consumer loan Total* | 2 600,00 3 450,00 12 000,00 18 050,00 | 235,90 103,50 273,04 612,44 |
| New | Consumer loan Consolidation** | 18 050,00 | 228,51 |
| Monthly installment difference | -383,93 |
* The values in the example are calculated under the following assumptions:
Consumer loan in the amount of BGN 12,000, for a period of 60 months, with a remaining repayment period of 46 months and an interest rate of 13.00%. Minimum monthly payment of a credit card in the amount of 3% of the obligation. Stock credit in the amount of BGN 2,600, for a period of 12 months, with a reaming repayment period of 7 months and an interest rate of 16%.
** APR is 6.26% - 5% floating interest, loan amount BGN 18,050 for a period of 96 months, including fee for research and approval in the amount of 0 %, salary transfer, annual fee for MasterCard credit card BGN 42 and monthly fee for Allegro package BGN 5.95. The total amount due is BGN 22 844.31, with a monthly installment of BGN 228.51.