Mortgage loan for bulgarians with income from abroad

Home | Retail Customers | Loans | Mortgage loans | Mortgage loan for bulgarians with income from abroad
0700 1 58 85
02/93 00 181 - phone number for 24/7 contact with the bank's cardholders
02/93 00 181
phone number for 24/7 contact with the bank's cardholders
Exchange Rates
Buy Sell BNB
Fixed Rate
EUR 1.94620 1.96000 1.95583
USD 1.78308 1.86008 1.82277
CHF 2.00236 2.08236 2.04030
GBP 2.27195 2.35195 2.30831
All exchange rates


If you receive income abroad, but you want to buy a house in Bulgaria and renovate it, with us you can benefit from:

  • Favorable interest rates;
  • Long repayment term;
  • No early repayment fee after the first year;
  • Free Life insurance up to a certain loan amount.


Currency BGN and EUR
Minimum size 5 000 BGN/EUR
Maximum size BGN 500 000 / EUR 250 000
up to 65% of the property’s market evaluation
Minimum term 1 year (12 months)
Maximum term 25 years (300 months)
Annual interest rate from 5.80% (variable interest rate)
Fees and commissions
  • for creditworthiness and collateral analysis - 1% of the granted loan;
  • for valuation of the property - according to the Tariff of the valuation company;
  • for renegotiation upon interest rate changes - 0.95% of the amount of the outstanding principal;
  • for early repayment - 1% of the repaid amount during the first 12 months of the term.
Collateral Mortgage on a completed residential property - apartment, house, floor of a house with a separate entrance, studio, garage, together with the adjacent parts of the land or the right to build.
Age of the loan applicant Min. 23 years as of the date of the loan decision.
Max. 65 years of age on the loan repayment date.
Repayment Repayment schedule with equal (annuity) or decreasing monthly payments. The borrower provides monthly payments to a current account with the Bank of at least the minimum monthly repayment amount plus 200 (two hundred) leva/euro.
Additional services
  1. Maintaining a current account with the Bank for loan utilization and repayment throughout the contractual term;
  2. Conclusion and maintenance of property insurance for the real estate provided as loan collateral for the entire term of the contract.
Required documents

Representative example

Loan size Interest rate APR Term Monthly installment Number of installments Total loan costs Total amount due
BGN 100 000
*full liability
6.30% 6.64% 25 years BGN 662.76 300 BGN 100 310.87 BGN 200 310.87
BGN 100 000
*limited liability
9.50% 10.17% 15 years BGN 1044.22 180 BGN 89 321.54td> BGN 189 321.54

Fees, commissions and other costs included in the total loan costs:

  • annual interest rate – 6.30% (for the "full liability" option) and 9.50% (for the "limited liability" option) - variable interest rate;
  • one-time commission fee for creditworthiness and collateral analysis – 1.00%;
  • fee for drafting an application for mortgage cancellation – BGN 60;
  • fee for conducting a check of the collateral with regards to entries in the property register – BGN 10, excluding VAT/year;
  • fee for valuation of the property offered as Collateral – BGN 120.

The example was prepared for a loan repayable in annuity installments
*The APR calculation does not include the costs for mortgage establishment, removal and renewal and the collateral insurance.