Housing Loan "New Home"

If you have already taken the decision to buy or build a home for your family and you, New Home loan is exactly for you.

We at ProCredit Bank understand that buying a home is an important step and we are going to be there for you at all stages of this process.


Our Advantages:


  • preliminary approval - you get an approval for a loan and then you can choose your home freely and calmly
  • you can opt for a fixed interest rate for the first 10 years to ensure yourself peace of mind and to plan your costs in the long term
  • you can choose loan parameters that best suit your individual needs
  • we provide advantageous price conditions and transparency of the way interest rates are formed
  • аdditional financing, if your new home needs energy efficiency improvements.


Loan amount From EUR 50,000 up to EUR 250,000 
Maximum financing Up to 80% of market value of the property used as collateral
Currency EUR
Loan period From 6 months up to 12 years
Grace period Up to 12 months 
Application processing fee BGN 50
Disbursement fee Free of charge
Early repayment fee (full/partial)

1% if the repayment takes place within the first 12 months;
Free of charge if the repayment takes place after the 12th month.

Management fee Free of charge
Fee for change of the loan conditions 0.50% over the amount due (min. 50, max. 500 currency units)
Interest rate Choose between:
  • Floating interest rate (consisting of six-month EURIBOR increased by a surplus), according to the Interest Bulletin;
  • Fixed interest rate for the first 10 years, according to the Interest Bulletin

Mortgage on newly purchased real estate, or other real estate

Choose between:

  • Responsibility with all properties
  • Responsibility only with collateral established
Collateral valuation fee Please see the  Bank's price list 
Fees related to issuance of documents for registration/deletion of mortgage Please see the  Bank's price list 
Other conditions

The age of the borrower may not exceed 65 years before maturity of the loan

  • Visit any branch of ProCredit Bank and complete a  loan application for private clients (customers with salaries/income from businesses)
  • Present the required documents
  • You will receive a response within 48 hours of presenting all required documents 

Required documents for customers with salary income:

Required documents for customers with business income:

Every loan application is considered individually and additional documents may be asked according the opinion of the bank employee.



Loan amount EUR 50 000
Loan period  12 years
Annual interest rate in the case of salary transfer in the Bank min 3.00%, 6-month EURIBOR and a surplus 2.50%
Equal monthly installment for the first 6 months EUR 414.95
Total amount due (principal, interest and fees) EUR 60 796.88*
Annual percentage rate (APR) 3.42%*


* With all fees and commissions due included (incl. one-time collateral valuation fee /apartment/, application processing fee, fees related to issuance of documents for registration/deletion of mortgage, yearly property insurance fee, a monthly account maintenance fee and fee for opening of an account).

More info