Mortgage loan for current needs

Mortgage loan for current needs

This is an opportunity for you to finance current needs of different kinds and different purposes

Advantages for you

Advantages for you

  • High maximum loan amount

  • Long repayment period


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

Loan amount

5 000 BGN
2 500 EUR
Minimum

400 000
BGN
200 000 EUR
Maximum

Term

No term
Minimum repayment period
25 years
Maximum repayment period
Fees and interest rates

Fees and interest rates

Dear clients, please keep in mind that you are required to use a current account with DSK Bank and 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 loan product, presents the first original insurance policy. The cost of insurance is not included in the APR. The example is prepared when repaying a loan through the current account included in the payment package.


Representative examples:

Example:

APR, at an individual interest rate, selected for the example*- 3,47%

Example of a floating interest rate for the entire term when financing current needs and other mortgage loans upon inclusion in the DSK Uyut Plus Binding Sales Program, the variable interest rate may be set in the range of 3,00% - 4,39%.

APR:

3,47 %

Loan amount

120 000 BGN

Monthly instalment

587,32 BGN

Loan term

25 years

Total amount due

178 365,47 BGN

APR – 3,47 % selected for the example:

  • Variable interest rate – 3,47 %
  • Variable interest rate for the entire term of the loan - 3,29 %
  • Loan application and approval fee - 0,25% on the approved amount
  • Monthly fee for the DSK Flexy 4 package – 5,50 BGN
  • Number of repayment instalments – 300
  • Legal mortgage entry fee 25 BGN
  • Property (apartment) valuation fee 195 BGN

*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 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;

Lending portal of DSK Bank

What is the service?

  • The lending portal is a secure on-line platform where you can submit on-line all the required documents for your loan. This greatly simplifies the entire application and approval process and shortens the time to disburse the loan.
  • What are the benefits?

  • You have a complete and accurate list of documents that you need to provide;
  • This saves time: you do not have to visit a bank office during business hours to provide any document on paper
  • This saves effort - you can attach the required documents for the deal, directly from your mobile phone, wherever and whenever it is convenient for you;
  • You can monitor in real time the status of each uploaded document and the progress of your credit;
  • Your transaction will be processed faster, as the banking consultant can work immediately with the documents you have uploaded.
  • How can you take advantage of this?

  • To access the lending portal you need a username and password. The Bank will send them to you after the credit consultation to the e-mail address or mobile phone number specified by you together with an offer made.
  • Documents

    Documents

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