Loan without guarantors

Credit without guarantors allows you to receive the money you need under a maximum simplified granting procedure.

You receive a Credit without guarantors:

• Only against an ID card
• Without presentation of income certificates

You can apply for a credit without guarantors if you work under a labour contract, practice a liberal profession, you are an owner of sole proprietorship or a shareholder in Ltd., you receive income from royalties, rents and others.

All you need is to fill in an application for credit and to present it in the bank office together with your ID card. No other documents are required from you!

You can receive Credit without guarantors, if:

• You have minimum 6 months for work experience at your current job or you do an economic activity for at least 1 year;
• Your gross income is not less than the amount of the monthly installment to the credit plus BGN 160.  For credits above BGN 10,000 the bank has additional requirements as regards the incomes.
  

Credit parameters

• Amount – up to BGN 20,000 or the equivalent in EUR or USD

Interests conditions

• Annual interest rate is 17% for credits in BGN and 16% for credits in EUR or USD
• Option for a preferential interest rate of 15% in BGN and 14% in EUR and USD, if you deposit your incomes on an account in the bank. For insurance income of above BGN 1,400, you can use a credit with 16% in BGN or 15% in EUR and USD.
• A special interest rate of 14% in BGN and 13% in EUR and USD for customers with a good credit history in CCB.

The annual percentage of costs for concrete credit applicants for credit of  EUR 5,000 for a 5-year term is 15.45%.

You can calculate alone the amount of the monthly installments using our
CREDIT CALCULATOR for Credit without guarantors..

Documents we expect you to submit

• Application for credit after a bank sample – banks gives it to the customer;
• A copy of the ID card;  

You can print out the necessary form, fill it in and present it in the bank office where you serve your bank account. We will answer to your application within two business days.

How much will the credit  cost you?

• Review fee – BGN 10;
• Payable only once fees for credit management – 3% over the credit amount.

Fees are collected upon granting of the credit.