Standard Consumer Loan

For all your wishes – we have the right solution

Description
mo.
Monthly payment
Interest rate
APR %
Total debt
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Заяви кредит онлайн през сайта ни и може да спечелиш почивка на стойност 10 000 лв.*

* The code is a combination of letters and symbols that entitles you to a preference when applying for a consumer loan. Discounts can be provided in various forms eg offers, loyalty discounts provided individually, at random or as a result of participation in a competition or customer survey. The discount is calculated in the final offer after prior approval!
The discount will be calculated in your final offer after approval!

Dear Customers, Please be aware that these calculations aim to give you an estimate regarding your installment payments. It is possible that the bank will offer you a different repayment amount on your credit, depending on your individual circumstance. After you apply online, one of our consultants will get in touch with you with the full information and details.


Advantages

Advantages

Online application

028

Amounts up to EUR 30 000

A reliable partner


Product parameters

Min. / Max. amount

500 BGN / 80 000 BGN
Min. / Max. term
18 months / 10 years

Representative example

Amount

30 000 BGN
Term:
60 months
Montly payment
321.88 BGN
APR %
6.04%
  • Variable interest rate:
    5.25 %
  • Fee for processing a loan application and approval:
    350 BGN
  • Monthly fee for using package DSK Flexy 4:
    5.50 BGN
  • Total amount due:
    39 635 BGN

Fees and interest rates

Fees and interest rates

A variable interest rate is applied to the loans, formed by the value of the reference interest rate, representing the indicator “average interest rate on balances on term deposits in BGN of households, with a term over 1 day to 2 years and fixed margin for BGN or reference interest rate, representing an interest benchmark 6 - month EURIBOR and a mark - up.

The interest rate under each contract is determined individually, considering the individual profile of the client.

Example:

APR at individual interest rate selected for the purposes of the example - 6,04%

Representative example, with variable interest rate for the entire term, on consumer loan. The variable interest rate for monthly transfer of income and use of DSK Flexy 4 package can be set in the range between 5,25% and 8,50%.

ARP:

6,04 %

Loan amount

30 000 BGN

Monthly repayment instalment

321,88 BGN

Loan term

10 years

Total amount due

39 635 BGN

ARP 6,04 % calculated on the basis of the following fees and interest:

  • Variable interest rate 5,25 %
  • Fee for reviewing application and approving a loan 350 BGN
  • Number of instalments 120
  • Monthly fee for using package DSK Flexy 4  5.50 BGN

Discounts

Discounts icon
Additional interest rate discounts

To take advantage of the additional interest rate discount, when joining the DSK Partners Plus program, you must have fulfilled the following conditions:

  • To have a credit turnover on a current account in the Bank;

  • To use the payment package DSK Flexy 4

Collateral: Pledge on receivable on bank account

Documents

Documents

Frequently asked questions

Frequently asked questions

 

The required documents be accessed in the Documents section.

 

You could apply for a loan with us if you are on an employment contract whose probationary period has expired.

 

Yes, in these cases we want a co-debtor to participate with you in the loan, who can prove the income he receives.

 

You will need the loan application documents available in the "Documents" section, as well as a document/ loan statement showing the amount of the debt to be refinanced. In case you have a certificate issued by another bank for the balance of the loan to be refinanced, we will accept this document. After refinancing your obligations with a loan from us, it is necessary to provide a Certificate (Document) certify that they have been repaid.

 

This is another person who may not be from your family(e.g. a close friend or colleague) who guarantees the repayment of the loan through their income. This means that if for some reason you fail to repaying your loan, your obligation begins to be repaid by the guarantor. For this reason, we investigate not only your income and credit history, but also those of the guarantor?

 

The loan can be approved within one working day after submitting all the necessary documents.

 

We will transfer the funds from the loan to your current account by the end of the business day after concluding the loan agreement.

 

Yes, we offer you an individual choice of monthly maturity date in the period between the 1st and the 28th day of the month. We advise you to adjust the individually selected maturity date to the period in which you receive your monthly income.

 

Yes, the type of the loan repayment instalment is chosen- equal monthly instalments for the whole period (including the due monthly interest and principal payments) or decreasing monthly instalments (including equal principal instalments and the respective monthly interest).

 

Yes, you can repay the entire loan amount ahead of time and do not owe an additional fee for itYes, you can repay the entire loan amount ahead of time and do not owe an additional fee for it.

 

Early repayment do not relive you of the need to pay each subsequent monthly instalment on the loan.

 

Anyone could have difficulty to repay their loan. In case you experience such difficulties, it is good to contact bank employees, without delay, who would assist you in resolving the situation.

 

• Negotiating a grace period up to 3 months;

• In case of insufficient income, a solvent co-debtor may be joined;

• The target spending of the funds is not monitored;

• If you receive your salary or pension at the Bank, you do not need to document your income;

• Opportunity to apply for additional interest rate discount when joining the DSK Partners Plus program.

You can finance a larger purchase for a home, car, trip or have additional funds.


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