Interest Bulletin

 Lending for private clients

Consumer loan from 40 000 to 100 000 BGN *with salary traansfer above 3 000 BGN (BGN/EUR)	3-month EURIBOR + 0.75 p.p., min. 4.50% +0.50% without credit card +0.50% non-purpose loan +1.00% without salary transfer
Consumer loan from 5 000 to 100 000 BGN *with salary traansfer below 3 000 BGN (BGN/EUR)	3-month EURIBOR + 1.50 p.p., min. 5.25% +0.50% without credit card +1.00% non-purpose loan +2.00% without salary transfer
Housing loan “New Home” – Floating interest rate  (BGN/EUR)	3-month EURIBOR + 0.95 p.p., total not less than 2.45%*
Housing loan “New Home” – Interest rate determined for the first 3-years period (BGN/EUR)	3-month EURIBOR + 1.25 p.p., total not less than 3.50%
Mortgage loan – Floating interest rate (BGN/EUR)	3-month EURIBOR + 1.25 p.p., total not less than 3.50%
Mortgage loan - Interest rate determined for the first 3-years period (BGN/EUR)	3-month EURIBOR + 2.25 p.p., total not less than 4.50%
Credit card (BGN/EUR)	18.00%
Credit card secured with deposit (BGN/EUR)	14.00%
FlexFund Overdraft (BGN/EUR)	9.00%
Loan EcoMobility (BGN/EUR)	3-month EURIBOR + 1.00 p.p., min. 3.95%
Loan for photovoltaic installation (BGN/EUR)	3-month EURIBOR + 1.00 p.p., min. 3.95%
Loan for charging station (BGN/EUR)	3-month EURIBOR + 1.00 p.p., min. 3.95%

Interest rates are only available to clients with salary transfer in the Bank and unlimited liability, i.e. with all property.

For clients are responsible up to the amount of the registered collateral established, the indicated annual interest rates are increased by 1.5 percentage points.

* Promotional interest rates until 31/12/2024

Consumer loan

Example 1

For Consumer loan with salary transfer above BGN 3 000 on amount of BGN 50,000, loan period 5 years, annual interest rate 3-month EURIBOR + 0.75 p.p., min. 4.50%, no fees for application and creditworthiness assessment: equal monthly installment BGN 933.56, total amount due (principal, interest and fees) BGN 56 613. Annual percentage rate of charge (APRC) - 5.12%.*

* The Annual percentage rate of charge includes monthly maintenance fee.

Example 2

For Consumer loan without salary transfer below BGN 3 000 on amount of BGN 30,000, loan period 5 years, annual interest rate 3-month EURIBOR + 3.50 p.p., min. 7.25%, no fees for application and creditworthiness assessment: equal monthly installment BGN 599, total amount due (principal, interest and fees) BGN 36 539.37. Annual percentage rate of charge (APRC) - 8.35%.*

* The Annual percentage rate of charge includes monthly maintenance fee.

 

Housing loan “New Home”

Example 1

For Housing loan „New Home" in the amount of EUR 100 000 with salary transfer and a loan period of 20 years, floating annual interest rate of 3-month EURIBOR + 0.20 p.p., min. 2.45%, application processing fee EUR 100, collateral valuation fee EUR 145, fee for preparing of documents for mortgage registration EUR 100, creditworthiness assessment fee EUR 150: equal monthly installments EUR 529.18 for the first 3 months, total amount due (principal, interest and fees) EUR 129 750.27. Annual percentage rate of charge (APRC) – 2.77%*.

Example 2

For Housing loan „New Home" the amount of EUR 100 000 with salary transfer and a loan period of 15 years, fixed annual interest rate for the first 3 years 3-month EURIBOR + 1.25 p.p., min. 3,50%, application processing fee EUR 100, collateral valuation fee EUR 145, fee for preparing of documents for mortgage registration EUR 100, creditworthiness assessment fee EUR 150: equal monthly installments EUR 717.34 for the first 3 years, total amount due (principal, interest and fees) EUR 131 295.94. Annual percentage rate of charge (APRC) - 3.88%.

* The Annual percentage rate of charge includes: Application processing fee , collateral valuation fee, Fee for preparing of documents for mortgage registration, Annual property insurance,Creditworthiness assessment fee, monthly maintenance fee.

Mortage loan

Example 1

For Mortage loan in the amount of EUR 100 000 with salary transfer and a loan period of 20 years, floating annual interest rate of 3-month EURIBOR + 1.25 p.p., min. 3.50%, application processing fee EUR 100, collateral valuation fee EUR 145, fee for preparing of documents for mortgage registration EUR 100, creditworthiness assessment fee EUR 150: equal monthly installments EUR 582.54 for the first 3 months, total amount due (principal, interest and fees) EUR 142 589.42. Annual percentage rate of charge (APRC) - 3.86%.

Example 2

For Housing loan „New Home" the amount of EUR 100 000 with salary transfer and a loan period of 15 years, fixed annual interest rate for the first 3 years 3-month EURIBOR + 2.25 p.p., min. 4,50%, application processing fee EUR 100, collateral valuation fee EUR 145, fee for preparing of documents for mortgage registration EUR 100, creditworthiness assessment fee EUR 150: equal monthly installments EUR 768.50 for the first 3 years, total amount due (principal, interest and fees) EUR 140 483.04. Annual percentage rate of charge (APRC) – 4.94%.

* The Annual percentage rate of charge includes: Application processing fee , collateral valuation fee, Fee for preparing of documents for mortgage registration, Annual property insurance,Creditworthiness assessment fee, monthly maintenance fee.

Credit card

Example 1

For Credit cardon amount of BGN 3 000, loan period 6 years, annual interest rate 18%: total amount due (principal, interest and fees) BGN 6 288.00 on the assumption of the credit limit is disbursed for period of 72 months, the limit is fully utilised for the whole loan period, and the principle will be repaid one-time on the final repayment day. Annual percentage rate of charge (APRC) - 19.86%.

Example 2

For Credit card on amount of EUR 3 000, loan period 6 years, annual interest rate 14%: total amount due (principal, interest and fees) EUR 5 557.48 on the assumption of the credit limit is disbursed for period of 72 months, the limit is fully utilised for the whole loan period, and the principle will be repaid one-time on the final repayment day. Annual percentage rate of charge (APRC) - 15.16%.

FlexFund Overdraft 

Example

For FlexFund overdraft on amount of BGN 3 000, loan period 1 year, annual interest rate 9.00%; total amount due (principal, interest and fees) BGN 3 394.50 on the assumption of the amount is utilized fully and for the whole period and the principal will be repaid one-time at the final repayment day. Annual percentage rate of charge (APRC) - 13.93%.*.

*The Annual percentage rate of charge includes: Monthly maintenance fee.

Loan "EcoMobility"

Example

For loan "EcoMobility" on amount of  EUR 30 000, EUR 5 000 down payment, loan period 5 years, annual interest rate 3-month EURIBOR + 1.00 p.p., min. 3.95%, no fee for online application credit assessment fee EUR 150: equal monthly installment EUR 552.55, total amount due (principal, interest and fees) EUR 33 606.37. Annual percentage rate of charge (APRC) – 4.68%*.

* The Annual percentage rate of charge includes: credit assessment fee, monthly maintenance fee.

Loan for photovoltaic installation

Example

For loan for photovoltaic installation on amount of BGN 50 000, loan period 5 years, annual interest rate 3-month EURIBOR + 1.00 p.p., min. 3.95%, no fee for online application, credit assessment fee BGN 300: equal monthly installment BGN 920.92, total amount due (principal, interest and fees) BGN 56 154.92  Annual percentage rate of charge (APRC) – 4.80%*.

* The Annual percentage rate of charge includes: credit assessment fee, monthly maintenance fee.

Loan for charging station

Example

For loan for charging station on amount of BGN 5 000, loan period 2 years, annual interest rate 3-month EURIBOR + 1.00 p.p., min. 3.95%, no fee for online application, credit assessment fee BGN 300: equal monthly installment BGN 217.13, total amount due (principal, interest and fees) BGN 5 751.02. Annual percentage rate of charge (APRC) – 15.70%*.

* The Annual percentage rate of charge includes: credit assessment fee, monthly maintenance fee.