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Overdraft of EDC for individuals

AMOUNT OF THE LOAN - determined according to the type and amount of the provided collateral:

• In case of transfer of salary to the current account the amount of the loan is up to two net salaries;
• In case of transfer of pension to the current account the amount of the loan is up to one net monthly pension; 
• In case of pledge of receivable over deposit in the Bank the amount of the deposited sum covers 110 % of the loan;

CURRENCY TYPE - in BGN;

TERM OF THE LOAN - up to 2 /two/ years;

INTEREST RATE - the interest rate is determined by the Interest Bulletin of the Bank.

The loan interest is accrued daily on the actually used amount and it is payable monthly on maturity;

LOAN DISBURSEMENT - according to the terms of use of the electronic debit card; 

COLLATERAL:

• Agreement for direct debit from the current account in which the customer receives his pension or salary /as per contract with employer for direct transfer of the salary/;
• Pledge of receivable from deposit /according to a contract with a notary certification of the validity of the date/.