Mortgage loan for your current needs

Mortgage loan for your current needs

  • Long repayment term up to 30 years for loans in BGN and EUR
  • Up to 75% of the market value for refinancing of target loans and up to 70% of market
    value for refinancing of non-target loans

  • Long repayment term up to 30 years for loans in BGN and EUR
  • Refinancing of target and non-target mortgage loans in other banks
  • Coverage of current needs
  • Bonus: a credit card with a pre-approved limit


Coverage of current needs



Interest rate

Opportunity to choose between the annuity installments; equal installments for principal and decreasing installments for interest rate, or an individual repayment plan with monthly installments of various amount, if there is seasonality in the customer's income, but with equal annual repayments of the principal.

*The annual percentage rate of charge stands at 4.69% for loans at the amount of EUR 50 000, up to 75% of the collateral value, with repayment term of 30 years and floating interest rate at the amount of 12M EURIBOR + markup, but no less than 3,99% and with the use of interest rate bonuses for salary transfer, credit card use and "Invest Optima +" package. The calculations take into account the following expenses: review fee - BGN 350, risk assessment fee - BGN 50, Invest Optima+ package monthly fee - BGN 5,99 and monthly credit card fee - EUR 2. The monthly installment stands at EUR 229.09 exclusive of monthly fees. With the fees included the monthly installments stand at EUR 242.89, as well as with included costs for the Accident and Sickness insurance of the borrower. The total amount due for repayment stands at EUR 99 576.27 including the cost of fees and the Accident and Sickness insurance. It is necessary to take out a property insurance. The cost of the Property insurance is not included in the annual percentage rate of charge.