Consumer loans

Consumer loan with money collateral

If you or your relative has invested your savings in D Bank for a certain period of time and urgently need funds don't close your deposit and lose interest on it

You can block the amount of the deposit and use it as collateral for a loan at a lower interest rate.

Consumer loan with money collateral

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Currency BGN / EUR
Maximum amount 84 months
Interest deposit interest* + 2,50% *interest on borrowed funds as of the date of loan disbursement

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Advantages:

  • Easy application procedure
  • Keep your savings and interest on them
  • No income survey and no age restrictions
  • Transparent and favorable interest rates - fixed in the 1st year and floating for the remaining period

Parameters:

  • icon calendarUp to 84 months
  • icon searchBGN or EURO
  • icon percentTransparent and favorable interest rates
  • icon coins
    Loan amount:                                                    - up to 90% of the deposit amount for deposits in BGN and EUR                               - up to 75% of the deposit amount for USD deposit



The interest rate of the loan is the sum of the interest on the borrowed funds as of the date of the loan disbursement + 2.50% (fixed for the 1st year and floating for the remaining term, formed of Applicable Index for Individuals + margin). More information about the interest on borrowed funds is available in our Interest Rate Bulletin for individuals.

The annual percentage rate (APR) is 3.2655% for a consumer loan with a pledge of money in a savings account in the amount of BGN 15,000, for a period of 60 months, with a total interest rate of 2.57% (formed by the sum of the interest on the attracted funds as of the date of granting the loan + 2.50%) for the first year and variable interest for the remaining term (formed of Applicable Index for Individuals + margin). The total amount due on the loan is BGN 16,246.42, and the monthly installment is BGN 266.67.