This is an opportunity for you to finance current needs of different kinds and different purposes
Min / max amount
5 000 BGN / 700 000 BGN
Min / max term
- / 25 years
Advantages:
- High maximum loan amount
- Long repayment period
No fee for checking and analyzing loan collateral - For all newly granted housing and mortgage loans secured by an energy certificate (Energy Class A or A+)
The interest rate (3.20% to 4.85%) is strictly individual for each customer. Here are some of the important things that determine the interest rate:
The individual client profile
The type and parameters of the loan
Other used products and services of the Bank
You can also take a credit card in case:
- You have a finally approved mortgage for a home.
- You do not have our credit card
Fees 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.
When choosing a fixed interest rate for a specific period of time during the term of the loan, the period of interest accrual at a fixed interest rate is 3 years, starting from the date of drawdown/first drawdown of the loan amount.
Representative example:
APR 4.06%*
Loan amount 150 000 BGN
Loan term 25 years
Monthly instalment 775,28 BGN
Total amount due 236 757,45 BGN
An example of a floating interest rate for the entire term when financing current needs upon inclusion in the "DSK Uut Plus" tied sales program, the variable interest rate can be set in a range from 3.20% to 4.85%.
- Variable interest rate for the entire term of the loan - 3,80%
- Verification and analysis of the loan collateral fee - 400 BGN
- Number of repayment instalments - 300
- Property (apartment) valuation fee - 235 BGN
- Legal mortgage entry fee - 40 BGN
- Monthly fee for the Unlimited plan - 11,99 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.
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