Housing loans

Housing loan with package Desired home

With interest discounts for the entire loan period: 0.50% when activating Moderato package program or 0.60% when activating Allegro package program

Currency: BGN / EUR
Maximum term: 35 years
Maximum amount: up to 100% of the purchase price
Interest from: 2,60%



  • Even more favorable interest rates
  • Equal 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.
  • No fee for early repayment after the first year
  • Income-based pre-approval


  • icon calendarTerm – up to 35 years
  • icon searchPurpose of the loan - purchase, 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 2.60% * and variable for the remaining term (Applicable Index for Individuals + margin)
  • 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
  • icon percent- 0.50% when activating Moderato package progamme or                                   - 0.60% when activating Allegro package programme

* 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: For a loan of BGN 100,000 for a period of 35 years, with full liability, the interest rate is 2.60%, fixed for the first 12 months and a variable interest rate of 2.60% for the remaining term of the loan. The payment is in equal annuity monthly installments in the amount of BGN 362.88, in case of transfer of salary or 150% of the monthly installment to a card account with Debit MasterCard. The APR will amount to 2.83%, and the total amount due will be BGN 156,717.56. The included fees for the loan are: fee for research and approval - BGN 100, monthly fee for Allegro package - BGN 5.95, assessment fee of the property - BGN 120, fee of the Bank 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