Dear customers, please note that the calculations are exemplary. It is possible that the bank will offer you different values depending on your individual case.
Standard consumer loan
Make all wishes come true HERE and NOW
You get the maximum amount and the longest repayment period through the standard consumer loan
Advantages
Advantages
Individual approach and proposal
Income from
own business
Financing for seafarers and pensioners
Assistance if a co-debtor is needed
How do I get a consumer loan?
How do I get a consumer loan?
Come to the Bank's office
Consult our credit specialist
You get approval and sign a contract
Product parameters
Min. / Max. amount
1 000 BGN / 80 000 BGN
Min. / Max. term
18 months / 10 years
Representative example
Amount
30 000 BGN
Term
120 months
Monthly payment
336.84 BGN
APR %
7,26%
- Variable interest rate:6,25 %
- Monthly fee for using plan No Limits:11,99 BGN
- Total amount due:41 859,65 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:
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 plan No Limits can be set in the range between 5,25% and 8,50%.
ARP:
7,26%
Loan amount
30 000 BGN
Monthly repayment instalment
336,84 BGN
Loan term
10 years
Total amount due
41 859,65 BGN
- Variable interest rate 6,25%
- Number of instalments 120
- Monthly fee for using plan No Limits 11,99 BGN
Loan Protection Insurance by Groupama
Loan Protection Insurance is intended for holders of consumer, mortgage or home loan in DSK Bank and provides financial protection in adverse situations with life and health, which may lead to inability to pay the loan obligations.
Find more HERE.
Documents
Documents
-
Interest Rates Formed on the Basis of RIR
.PDF file
-
Loan Application
.PDF file
Frequently asked questions
Frequently asked questions
You must be between 18 and 80 years of age at the end of the consumer loan agreement, have a verifiable income, and a valid identity document.
The annual percentage rate expresses the total cost of the loan to the consumer (interest, fees, and commissions), present or future, expressed as an annual percentage. The APR is provided to help you compare the available offers for concluding a loan agreement.
Yes, you can apply for a loan with us.
Yes, in such cases we require that you have a co-signer who can prove their income.
The loan can be approved within one business day after submission of all necessary documents.
When the loan has a floating annual interest rate, there is no fee for early repayment. For loans with a fixed annual interest rate, the customer pays an early repayment fee of 0.5% of the remaining loan balance if less than one year remains until the loan matures, and 1% of the remaining loan balance if more than one year remains until the loan matures.
Early repayments do not exempt you from the obligation to pay each subsequent monthly installment on the loan.
Anyone can experience difficulties in repaying their loan. If you are experiencing such difficulties, it is advisable to contact a bank representative who will assist you in resolving the situation.
You can finance a major purchase such as a home, car, or trip, or have additional funds available when needed.