Purpose	Purchase of residential or commercial real estate with a degree of completion at least up to the "Rough Construction" phase. Purchase of residential or commercial real estate with a degree of completion at least up to the "Rough Construction" phase and repairs and improvements to the purchased property.Refinancing of loans used for the purpose of purchasing residential or commercial real estate; Purchase of property owned by Bankat; Purchase of property in EU member states. The financing of the purchase of real estate with the degree of completion "Rough construction" /ACT 14/ is only permissible for properties purchased by builders who received financing for the construction from the Bank, or property owned by the Bank. In the event that the builder has a delay in payments on his own loan, the funds from the financing must necessarily be used to pay off the builder's loan. Citizens of the European Union can also benefit from the conditions.
Currency	BGN and EUR
Repayment term	Up to 35 years - for Bulgarian citizens; up to 20 years - for citizens of countries that are members of the European Union
Interest rate	Opportunity to choose between the annuity installments or equal installments for principal and decreasing installments for interest rate. Opportunity for an individual repayment scheme with monthly installments of various amount, if there is seasonality in the customer's income, but with equal annual repayments of the principal.