Housing loans

Housing loan with 100% financing

If you are looking for a new home, we offer you housing loans with 100% financing for properties owned by the Bank.

Currency: BGN / EUR
Maximum term: 35 years
Interest from: 3,85%



  • 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.
  • BONUS - repayment of up to 2% on the balance of the loan principal for the first 5 years *

*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.

Additional information on the properties financed by the Bank can be obtained from the Assets for Sale tab.


  • icon calendarTerm – up to 35 years
  • icon searchPurpose purchase of a residential property owned by the Bank
  • icon percentFloating interest rate of 3.85%, based on Applicable Index for Individuals and margin
  • icon coinsCurrency - BGN and EUR                            Loan amount - up to 100% of the purchase price, subject of the transaction
  • 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: The annual percentage rate (APR) is 4.15% for a loan of BGN 80,000, with a repayment period of 25 years. The interest rate is 3.85%. BGN 100 fee for loan research and approval, BGN 2 fee for opening a loan account, BGN 2.80 per month fee for servicing account, BGN 2.40 per month card account service fee, BGN 60 fee for consent to cancel a mortgage, BGN 60 fee for renewal and registration of mortgage renewal, BGN 42 annual service fee for credit card maintenance. The total amount to be repaid - BGN 127,653.56, monthly installment BGN 415.67. The APR does not include the cost of the obligatory annual property insurance of the property, accepted as collateral for a housing loan Our Home. Example of repaid 2% interest on a home loan Our Home for a loan of BGN 80,000 and a term of 300 months.

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Repaid interest in BGN







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