After you have chosen the desired amount and term of the loan in the calculator.
Housing loan with a fixed interest rate
Online
Apply easily and entirely online
Plan your dream home with confidence and peace of mind! Secure monthly installments and protection from unforeseen market changes.
Advantages:
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Fixed interest rate for the first 3 years
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Repayment period up to 30 years
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Preliminary approval
Calculator
Steps in the application process
Advantages
- Financing up to 85% of the market value of the property
- Loan term and currency - up to 30 year in BGN and EUR
- No need to take out life insurance
- Fully online process – from submitting the request to signing the loan agreement.
Frequently asked questions
Housing loan applications can be submitted by Bulgarian nationals (individuals holding a permanent residence certificate) who have a regular income, and a clean tax bill and credit history.
The approved amount of your loan will depend on your income, the self-financed share of the property purchase transaction and the costs you will incur to acquire the desired property. Our advice is to consider your home purchase budget and to set a monthly repayment amount that is comfortably affordable and will not cause an excessive burden to your household.
Our standard policy is to finance 85% of the property price. It is therefore recommended that you are able to self-finance 15% of the transaction amount.
We do finance properties that are still under construction upon terms that are identical to those described above. With this type of transactions it is, however, important that the payment stages of the construction and the loan disbursement stages are time matched. Our experts have a wealth of experience and will be able to offer the best solution.
We only require that your property is insured. Life insurance is not included in the price of the loan.
To understand the importance of measures such as building insulation, windows, ventilation, and others, we recommend that you familiarize yourself with the key indicators in an Energy Performance Certificate.
