Loans for pensioners

As a pensioner you can profit from the preferential conditions that CCB offers for the use of consumers’ credit.

Credit parameters

• Amount – up to BGN 15,000  or their equivalent in EUR or USD

Interest conditions

• Interest rate is 12.5% for credit in BGN and 11.5% for credit in EUR or USD.Preferential interest rate of 10.5%.
• You use a preferential interest rate of 11.5% in BGN and 10.5% in EUR and USD, if you receive your pension on an account in the bank. You use also reductions in the loan administration fees.
  

The annual percentage of costs for preferential credit conditions for credit of EUR 5,000  for a 5-year term is 12.09%.
You can calculate alone the amount of the monthly installments using our
CREDIT CALCULATOR for Credit for pensioners.

Collaterals

• For credit up to BGN 5,000  – one guarantor;
• from BGN 5,000 to BGN 15,000  – two guarantors.  

Required documents to be presented

As a credit applicant you gave to present:

• An application for credit after a bank sample – banks gives it to the customer;
• Recent pension decision issued by the relevant territorial directorate of NSSI for the pension amount;
• Statement from the employer – after a bank sample (for working pensioners);
• A copy of the ID card;  

Your guarantor has to present:

• A certificate for the guarantor – after a bank sample;
• A copy of the ID card.

  
For your convenience you can make APPLICATION ONLINE or print out the required forms, fill them in and present them in the bank office where you serve your bank account. We will answer to your application within two business days.

Additional credit products for pensions above BGN 250

• If you receive your pension on a current account in the bank, you can use a profitable overdraft
• You can obtain a local Market credit card  or an international MasterCard or Visa credit card  with the longest grace period in Bulgaria with which you can shop free of charge.