Housing and mortgage loans

Please note that the calculations are indicative and do not constitute a commercial offer. The indicated annual interest rate is minimal, and the parameters of each loan are determined individually, after assessing the customer's creditworthiness and the proposed security. The annual interest rate is variable and is formed by a reference interest rate on loans to individuals secured by a mortgage (the reference interest rate) in the relevant currency and a fixed allowance. When calculating the APR, notary fees for establishing, renewing, changing, and canceling the mortgage and state registration fee payable by the borrower are not included. When calculating the APR, the cost of property insurance is included in the amount of 0.11% annually on the balance of the principal, assuming that the insurance of the proposed security is concluded with an insurance company – a partner of the Bank. The values in BGN, presented in brackets, are indicated for the purposes of double designation within the meaning of the Law on the Introduction of the Euro in Bulgaria and are calculated at the rate of 1.95583 BGN/EUR. You can submit an online inquiry to receive a personalized offer for a home loan or mortgage.