Housing loans

Housing loan Our Home

We offer an exclusive offer - a total interest bonus of 1.75% for the first 5 years to lower your interest rate for the period to 2.30%, and 2.65% for the remaining period

Currency: BGN / EUR
Maximum term: 35 years
Maximum amount: up to 100% of the purchase price
Interest from: 2.40%

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Advantages:

  • Even more favorable interest rates
  • Equalized interest rates for loans in BGN and EUR
  • Issuance of a MasterCard credit card with a credit limit of up to 5% of the amount of the approved loan, but not more than BGN 5,000.
  • Interest discounts for the entire loan period: -0.60% when activating Allegro package programme or Online package programme
  • BONUS - repayment of up to 1.75% on the remaining balance of the loan principal for the first 5 years, thus your interest rate for the first 5 years of the loan becomes 2.30% and 2.65% for the remaining period *

*The interest bonus is accrued monthly on the residual debt on the loan and is paid to your account on the maturity date of the 13th, 25th, 37th, 49th, 61st installment. The condition for receiving the 5-year bonus is regular repayment of the due monthly repayment installments (without delays of more than 30 days) and not more than 10% partial early repayment of the loan for the five-year bonus period.

Parameters:

  • icon calendarTerm – up to 35 years
  • icon searchPurposepurchase, repair or finishing works on a residential property or refinancing of housing loans to other banks
  • icon percentFixed interest rate for the 1st year of 2.40% * and variable for the remaining period (6M EURIBOR + surplus) *
  • icon coinsLoan amount - up to 100% of the purchase price, but not more than 85% of the value of the real estate subject to the transaction, depending on its type and location. Loan currency - BGN and EUR
  • icon docCollateral: mortgage on the property, subject of the transaction. Property insurance for the property accepted as collateral

* The indicated interest rates are valid for transfer of salary in the Bank or 150% of the loan installment, issuance of a credit card and payment of two utilities per month through the Bank. In the case of loans granted with a limited liability clause up to the amount of the collateral, according to the Consumer Credit Act (Art. 11, para. 5), the annual interest rates shall be increased by 1.00 percentage points.

Example with an interest bonus: For a loan of BGN 100,000 for a period of 35 years, with full liability, the interest rate is 2.65%, fixed for the first 12 months and a variable interest rate of 2.65% for the remaining term of the loan. The payment is in equal annuity monthly installments in the amount of BGN 365.59, in case of transfer of salary or 150% of the monthly installment to a card account with Debit MasterCard. The APR will amount to 2.88% and the total amount due will be BGN 157,854.88. For the first five years we will refund BGN 1,644.51 to your account. The included fees for the loan are: fee for research and approval - BGN 100, monthly fee for Allegro package - BGN 5.95, property appraisal fee - BGN 120, Bank fee for preparation of consent for mortgage cancellation - BGN 60 ., Bank fee for renewal and registration renewal of mortgage BGN 60, annual fee for credit card service BGN 42

Example of repaid 1.75% interest on a home loan "Our Home" for a loan of BGN 100,000 and a term of 35 years

Period in years

First

Second

Third

Fourth

Fifth

Общо

Bonus

0,35%

0,35%

0,35%

0,35%

0,35%

1,75%

Paid back interest

347,08

340,83

334,41

327,82

294,37

1 644,51

Example without interest bonus: For a loan of BGN 100,000 for a period of 35 years, with full liability, the interest rate is 2.40%, fixed for the first 12 months and a variable interest rate of 2.40% for the remaining period of the loan. The payment is in equal annuity monthly installments in the amount of BGN 352.16, in case of transfer of salary or 150% of the monthly installment to a card account with Debit MasterCard. The APR will amount to 2.63%, and the total amount due will be BGN 152,215.29. The included fees for the loan are: fee for research and approval - BGN 100, monthly fee for Allegro package - BGN 5.95, fee valuation of the property - BGN 120, Bank fee for preparation of consent for cancellation of mortgage - BGN 60, fee of the Bank for renewal and registration renewal of mortgage BGN 60, annual fee for credit card service BGN 42

** The market indices for 6M EURIBOR change every six months (on March 1 and September 1), and their current values ​​can be seen in the Bank's Interest Rate Bulletin.