* The stated interest rates apply when your salary, or an amount equal to 150% of the loan instalment, is paid into the Bank, you obtain a credit card and you pay two utility bills per month through the Bank. For loans granted with liability limited to the value of the collateral under the Consumer Credit Act (Article 11(5)), annual interest rates are increased by 1,00 percentage point.
Example: For a loan of 102 258.38 EUR/200 000 BGN over 20 years, with full liability assumed, the interest rate is 2.60%. The loan is repaid in equal monthly annuity instalments of EUR 546.87/BGN 1069.58, provided your salary or 150% of the monthly instalment is paid into an account with a Debit MasterCard. The annual percentage rate of charge (APRC) will be 2.75%, and the total amount payable will be 132 611.86 EUR/259 366.26 BGN. The fees included in the loan are: application assessment and approval fee – 0; monthly Allegro package fee – 3.04 EUR/5.95 BGN; property valuation fee – 102.26 EUR/200 BGN; Bank fee for preparing consent to discharge the mortgage – 30.68 EUR/60 BGN; Bank fee for renewing and registering the renewal of the mortgage – 30.68 EUR/60 BGN; annual credit-card servicing fee – 21.47 EUR/42 BGN.
* The reference values of the Applicable Index for Individuals – Euro (PIFL-EUR) change every six months (on 01.03. and 01.09.). The current values are available in the Bank’s Interest Rate Bulletin.
You can obtain more information about this loan and our even more favourable terms for refinancing loans from another bank at the Bank’s branches or from General information on the mortgage loans offered
| Loan application assessment and approval fee | BGN 0 |
| No fee for early repayment after 12 monthly instalments have been paid; 1% for early repayment before the first 12 monthly instalments have been paid | No fee |
| Fee for opening a current account | BGN 0 |
| Monthly current-account servicing fee | BGN 0 |
| Monthly fee for servicing a card payment account | BGN 0 |
| Monthly servicing fee for the Moderato/Allegro package | BGN 4,50/EUR 2,30 / BGN 5,95/EUR 3,04 |
| Annual servicing fee for a MasterCard Standard credit card | 42 BGN/21,47 EUR |
| Registration of a mortgage in favour of the Bank | No fee |
| Preparation of a draft notarial deed for the mortgage | No fee |
| Property valuation fee | BGN 200/EUR 102,26 |
| Mortgage discharge fee | BGN 60/EUR 30,68 |
| Mortgage renewal and registration fee | BGN 60/EUR 30,68 |
One of our advisers will call you and complete an application on your behalf, and we will let you know our decision later
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