My new property is HERE, I want it NOW from DSK Bank
Min. / max. amount
5 000 BGN / 700 000 BGN
Min. / max. term
- / 30 years
With a mortgage loan, you receive a large amount of credit that you repay gradually over a long period of time. The various options for purchasing property are HERE and NOW.
The interest rate (2.25% to 3.45%) is strictly individual for each customer. Here are some of the important things that determine the interest rate:
Your individual profile
Type and parameters of the loan
Other products and services we use
We don't just finance apartments. Here are some more options:
- Separate garage
- Residential building or villa with adjoining yard and garage
- Regulated land plot intended for residential or villa construction
- Apartment and garage in the "rough construction" of the building, under conditions specified by the bank
You can also take a credit card in case:
- You have a finally approved mortgage loan;
- You do not have our credit card
Taxes and interest rates
It is mandatory to use a payment account with DSK Bank and to take out property insurance. This expense becomes part of the APR when it becomes known to the bank – after the borrower, depending on the type of credit product, submits the first original insurance policy. The insurance expense is not included in the APR. The example is based on loan repayment through the payment account included in the package.
Representative example
APR 2.72%*
Loan amount 223 000 BGN
Loan term 30 years
Monthly instalment 886,93 BGN
Total amount due 324 485,36 BGN
A representative example with a floating interest rate for the entire term of the loan. The variable interest rate under the terms of the DSK Uyut Plus Program can be set in the range of 2,25% to 3,45%.
- Variable interest rate for the entire term of the agreement, under the terms of the DSK Uyut Plus Program and selected unlimited property liability - 2,55%
- Verification and analysis of the loan collateral fee - 600 BGN
- Number of repayment instalments - 360
- Property (apartment) valuation fee - 235 BGN
- Legal mortgage entry fee - 40 BGN
- Monthly fee for the Unlimited plan - 11,99 BGN
The interest rate under each agreement is determined individually, taking into account the following factors:
- The individual client profile;
- The type and parameters of the loan;
- Other used products and services of the Bank.
*You are required to take out property insurance. The cost of insurance is not included in the APR. This expense becomes part of the APR when it becomes known to the bank according to a concluded insurance contract with an insurer selected by the client.
The loan is charged with interest rate, consisting of the value of a reference interest rate, representing the indicator “Effective Annual Interest Rate on Outstanding Balances on Term Deposits in Bulgarian Leva of the Household Sector, with a maturity of over 1 day up to 2 years”, as published on the website of the Bulgarian National Bank, plus interest rate surcharge. In cases where the value of the reference interest rate is negative, it shall be assumed to be 0%.
The offered interest rate applies when salary/credit turnover/pension is credited to the account and the Unlimited plan / Premium plan is used.
Documents
Loan Request Form
.pdf
Proof of Income
.pdf