Our Home Loans

* The interest bonus is calculated monthly on the outstanding loan balance and paid into your account on the due dates of the 13th, 25th, 37th, 49th and 61st repayment instalments. To receive the 5-year bonus, you must make your monthly repayments regularly (with no payment more than 30 days late) and make partial early repayments totalling no more than 10% of the loan granted during the five-year bonus period.

* 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 with interest bonus: For a loan of 51 129.19 EUR/100 000 BGN over 30 years, with full liability assumed, the interest rate is 2.65%. The loan is repaid in equal monthly annuity instalments of 209.07 EUR/408.91 BGN, 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 2.89%, and the total amount payable will be 76 074.59 EUR/148 788.96 BGN. During the first five years, we will refund 824.82 EUR/1 613.20 BGN to your account. 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.

Example of a 1,75% interest refund on an Our Home loan of 51 129.19 EUR/100 000 BGN over 30 years

Example without an interest bonus: For a loan of 51 129.19 EUR/100 000 BGN over 30 years, with full liability assumed, the interest rate is 2.40%. The loan is repaid in equal monthly annuity instalments of 199.37 EUR/389.94 BGN, 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 2,64%, and the total amount payable will be 71 774.34 EUR/140 378.40 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