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Interest Bulletin

Promotional interest rate conditions on standard term deposits valid effective as of 18 May 2026

Currency Min. balance 6 months 12 months
EUR/ USD EUR, USD 2 500 1.50% 2.00%

The interest rates are valid until 18 August 2026 and apply to new clients as well as to additional funds deposited by existing clients.

Interest rates for FlexSave accounts and standard term deposits valid effective from 15.03.2026

Annual interest rate for FlexSave account for clients using a current account, debit card and Internet banking

Currency Interest rate
EUR 0.20%

Annual interest rates for Standard Term Deposits for clients using a current account, debit card and Internet banking

Currency Min. balance 6 months 12 months 24 months 36 months
EUR/ USD EUR, USD 2 500 0.50% 0.75% 1.00% 1.25%

Interest rate for current clients not using a current account, debit card and Internet banking: Interest rate - 0%.

Interest rate in case of premature withdrawal: Interest rate - 0%.

Current accounts (for all currencies), Payment account for basic operations (in EUR) - Interest rate: 0%.

All interest rates are accrued on basis 365/360 days.

Interest rates for private individuals with balance more than EUR 100 000 on their accounts (current accounts/deposits/FlexSave) are negotiated individually.

Savings up to 100 000 EUR are guaranteed by the Bulgarian Deposit Insurance Fund (BDIF)

Consumer loan from 500 EUR to 10 000 EUR, repayment period up to 7 years

  • Floating interest rate from 6.25% to 9.75% depending on the amount and transfer of the salary to an account at ProCredit Bank, and an additional product - Credit Card

Consumer loan from 10 001 EUR to 25 000 EUR, repayment period up to 10 years

  • Floating interest rate from 5.25% to 8.75% depending on the amount and transfer of the salary to an account at ProCredit Bank, and an additional product Credit Card

Consumer loan from 25 001 EUR to 50 000 EUR, repayment period up to 10 years

  • Floating interest rate from 4.95% to 8.25% depending on the amount and transfer of the salary to an account at ProCredit Bank, and an additional product - Credit Card

Housing loan with a salary transfer above 2 000 EUR

  • Floating interest rate from 2.60% up to 2.80%

Housing loan with a salary transfer up to 2 000 EUR

  • Floating interest rate from 2.80% up to 2.95%

Housing loan with a fixed interest rate for the first 3-years period

  • from 3.50%

Mortgage loan with a floating interest rate

  • from 3.50%

Mortgage loan with a fixed interest rate for the first 3-years period

  • from 4.50%

Credit card

  • 18.00%

Credit card secured with deposit

  • 14.00%

FlexFund Overdraft

  • 9.00%

EcoMobility Loan

  • Floating interest rate from 3.95%

Loan for photovoltaic installation

  • Floating interest rate from 3.95%

All loans are offered in EUR.

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.

Examples

For Consumer loan with a salary transfer above EUR 2 000 on amount of EUR 30 000, loan period 7 years, annual interest rate 6-month EURIBOR + 1.20 p.p., min. 4.95%, no fees for application and creditworthiness assessment: equal monthly installment  EUR 424.25, total amount due (principal, interest and fees) EUR 36 066.04. Annual percentage rate of charge (APRC) - 5.51%.*

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

For Consumer loan without a salary transfer below EUR 1 250 on amount of EUR 20 000, loan period 7 years, annual interest rate 6-month EURIBOR + 4.50 p.p., min. 8.25%, no fees for application and creditworthiness assessment: equal monthly installment  EUR 315.26, total amount due (principal, interest and fees) EUR 26 910.23. Annual percentage rate of charge (APRC) - 9.24%.*

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

For Housing loan „New Home" in the amount of EUR 200 000 with salary transfer and a loan period of 20 years, floating annual interest rate of 6-month EURIBOR + 0.20 p.p., min. 2.45%, application processing fee EUR 102.26/BGN 200, collateral valuation fee EUR 148.27/BGN 290, fee for preparing of documents for mortgage registration EUR 102.26/BGN 200, creditworthiness assessment fee EUR 300/BGN 586.75: equal monthly installments EUR 1058.25 for the first 6 months, total amount due (principal, interest and fees) EUR 257 805.23. Annual percentage rate of charge (APRC) – 2.71%*.

* 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.

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 6-month EURIBOR + 0.55 p.p., min. 2.80%, application processing fee EUR 102.26/BGN 200, collateral valuation fee EUR 148.27/BGN 290, fee for preparing of documents for mortgage registration EUR 102.26/BGN 200, creditworthiness assessment fee EUR 150/ BGN 293.37: equal monthly installments EUR 546.61 for the first 6 months, total amount due (principal, interest and fees) EUR 133 825.06. Annual percentage rate of charge (APRC) – 3.15%*.

* 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.

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 6-month EURIBOR + 1.25 p.p., min. 3,50%, application processing fee EUR 102.26/BGN 200, collateral valuation fee EUR 148.27/BGN 290, fee for preparing of documents for mortgage registration EUR 102.26/BGN 200, creditworthiness assessment fee EUR 150/ BGN 293.37: equal monthly installments EUR 717.30 for the first 3 years, total amount due (principal, interest and fees) EUR 131 162.21. Annual percentage rate of charge (APRC) - 3.90%.*

* 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.

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 6-month EURIBOR + 1.25 p.p., min. 3.50%, application processing fee EUR 102.26/BGN 200, collateral valuation fee EUR 148.27/BGN 290, fee for preparing of documents for mortgage registration EUR 102.26/BGN 200, creditworthiness assessment fee EUR 150/ BGN 293.37: equal monthly installments EUR 582.51 for the first 3 months, total amount due (principal, interest and fees) EUR 142 461.97. 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.

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 6-month EURIBOR + 2.25 p.p., min. 4,50%, application processing fee EUR 102.26/BGN 200, collateral valuation fee EUR 148.27/BGN 290, fee for preparing of documents for mortgage registration EUR 102.26/BGN 200, creditworthiness assessment fee EUR 150/ BGN 293.37: equal monthly installments EUR 768.22 for the first 3 years, total amount due (principal, interest and fees) EUR 140 346.25. Annual percentage rate of charge (APRC) – 4.96%.*

* 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.

For Credit card on amount of EUR 3 000, loan period 6 years, annual interest rate 18%: total amount due (principal, interest and fees) EUR 4 954.86 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%.

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 4 471.56 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%.

For Overdraft on amount of EUR 3 000, loan period 1 year, annual interest rate 9.00%; total amount due (principal, interest and fees) EUR 3 210.57 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) - 13.58%*.

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

For loan "EcoMobility" on amount of  EUR 30 000,  loan period 7 years, annual interest rate 6-month EURIBOR + 1.00 p.p., min. 3.95%, equal monthly installment EUR 410.07, total amount due (principal, interest and fees) EUR 34 874.20. Annual percentage rate of charge (APRC) – 4.46%*.

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

For loan for photovoltaic installation on amount of EUR 25 000, loan period 5 years, annual interest rate 6-month EURIBOR + 1.00 p.p., min. 3.95%, equal monthly installment EUR 460.43, total amount due (principal, interest and fees) EUR 27 932.19. Annual percentage rate of charge (APRC) – 4.55%*.

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

Interest rate methodology of ProCredit Bank (Bulgaria) EAD for formation of a variable interest rate on consumer and housing loans granted to private clients effective from 1 September 2023

The annual interest rate for loans with a floating interest rate is calculated as follows:

6-month EURIBOR + margin= interest rate on the loan;  Min. interest rate = interest rate on the loan

but not less than the individual Minimum Interest Rate specified in the loan agreement 

When determining the annual interest rate, the reference rate is taken into account as follows:

  • Upon signing the agreement – the value formed three business days prior to the date of signing the agreement/releasing the tranche;
  • For each subsequent interest period under the loan agreement – the value formed three business days prior to the date of the last instalment under the Repayment Plan for the previous period.

The values of the reference rates announced in the archive of the website are the values formed on the respective date.

EURIBOR is the average interest rate at which euro area banks exchange euro-denominated term deposits. The index is determined on a weekly and monthly basis based on the maturity of deposits and its values are published daily by the European Banking Federation in Brussels, Belgium.

Margin and Minimum Interest Rate

The margin and the minimum interest rate are fixed amounts specified in the loan contract.

  Example 1
Loan Currency EUR
Loan Contract Date 01.02.2024
Reference Interest Date 6-month EURIBOR, fixing as of 01.02.2024 - 3.832%
Margin 0.20%
Minimum Interest Date 2.45%
Annual Interest Rate Applicable to the First Period

Reference rate + Margin = Interest rate on the loan;

Minimum interest rate = Interest rate on the loan, but no less than the individual Minimum Interest Rate specified in the loan agreement.

Example: 3.832% + 0.20% = 4.032%

Considering that the bank applies a EURIBOR value of 2.00% for mortgage loans, the agreed minimum interest rate of 2.45% is applied for the respective period.
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