Mortgage loan

You want to buy a new home for your family or make the long-postponed repair? Or maybe you have decided to build the home of your dreams? Or simply you need funds to cover your current needs?

Parameters of the loan

•     Amount up to BGN 200 000 (or the equivalent amount in EUR)

•     Repayment term – up to 10 years

Loan purpose

•     Purchase of real estate

•     Construction, additional construction, overconstruction, adjacent construction and reorganization of new and existing real estates

•     Additional construction works of new real estates, repair and reconstruction of existing estates

Loan conditions

•     Collateral – real estate – it must cover minimum 150% of the loan amount

•     Own participation – not less than 20% of the loan amount

Convenience of the loan

•     You choose the day of the month, on which to repay your monthly installment;

Interest conditions

•     The annual interest rate is to the amount of minimum 12.0% for loans in BGN, and 11.0% for loans in EUR.

You can calculate the amount of your monthly installment by using our LOAN CALCULATOR for a mortgage loan.

How much does the loan cost? Fees and commissions

•     Fee for submitting a mortgage loan application – BGN 20;

•     Management fee:

- 1,2% - one-off upon granting for the first year;

- 0,4% - on the loan balance for each following year.

•     Fee for real estate evaluation – according to the Bank Tariff;

•     Early repayment fee:

- 3% upon repayment with own funds;

- 4% upon repayment via refinancing from another bank.

When and how do you receive a reply of your application for a mortgage loan

•     A preliminary reply to the loan application you will receive within 2 work days;

•     A final reply you will receive within 5 work days after presentation of all the necessary documents.

Bonuses, which you receive together with the mortgage loan from CCB

•     You may request the issuance of international MasterCard or Visa credit card or local Market credit card with a credit limit of up to 5% of the granted loan.

Additional information about issues of interest to you, you may receive at “green” phone 0800 11 400 (the call is free of charge for clients from the whole country) or at 02 / 9266 500, as well as in all offices of Central Cooperative Bank