Employees of state-budget enterprises and trade companies.

Scope

Natural persons employed in state-budget enterprises or trade companies with over 50% state and/or municipal participation in the capital

Consumer credit

Credit amount	Up to 50 000 BGN
Credit repayment period	Up to 10 years
Annual interest rate	Preferential interest rate
Fees and commissions	for analysis of the creditworthiness and collateral; for early credit repayment – no commission.
Bonus for the recipients of consumer credits	Free life insurance for amounts up to 100 000 BGN.

MORTGAGE CREDIT

Credit repayment period	Up to 30 years
Annual interest rate	Preferential interest rate
Fees and commissions	commission for analysis of the creditworthiness and collateral; commission for renegotiation of the conditions in case of change of interest rates; fee for property collateral evaluation/revaluation - according to the tariff of the appraiser company; fee for verification of the collateral in the property register; fee for mortgage deletion.
Bonus for the recipients of consumer credits	Free life insurance

Documents

• GENERAL INFORMATION ON MORTGAGE LOANS, IN ACCORDANCE WITH THE CONSUMER CREDITS RELATED TO IMMOVABLE PROPERTY ACT
• For further information, please visit the office of Municipal Bank AD most convenient to you.