Asset Loan

You need money for repair works, holidays, furnishing, but you don’t work under an employment contract? Especially for you we have created the Asset Loan. 

You can receive the Asset Loan, if:

  • You are a private agricultural producer;
  • You are a proprietor of sole proprietorship or a shareholder in Ltd.,also doctors, dentists;
  • You have income from rents, royalties and others.

Credit parameters

Amount:

  • Up to BGN 60 000 or the equivalent amount in foreign exchange
  • Term – up to 10 years

Interest conditions

  • The annual interest rate to the amount of 9,9% regardless of the loan currency

Preferences

  • For clients, who receive their income on account with CCB 8,1% regardless of the loan currency
  • For doctors and dentists, who receive their income at CCB 6,9% regardless of the loan currency

    A possibility for an additional rebate in the interest rate upon a package sale

  • 0,1% upon the sale of a loan and a credit card
  • 0,1% upon the sale of a loan and a debit card
  • 0,1% upon the presentation of a valid “Kasko” insurance policy of a vehicle, Protected home or Protected family with Armeec insurance company JSC

The rebates can be combined!

 The annual percentage rate is to the amount of 8,18 % for a loan to the amount of BGN 15 000, a repayment term 10 years, with an included one-off fee for reviewing the loan application and a floating interest rate 7,8% (reference interest rate for consumer loans (RIRcl) + a margin 3,3%). Total due amount BGN 21 709,25 and amount of the monthly installment BGN 180,41. See the methodology of CCB Plc (92,6 KB) for determining the BIR of consumer loans.

 

Collaterals

  • For a loan up to BGN 25 000 – one guarantor;
  • Above BGN 25 000 – two guarantors;

You can calculate alone the amount of the monthly installments using our CREDIT CALCULATOR for Asset Loan.

Documents we expect you to submit:

All the necessary documents will be provided on the spot in the office of CCB.

For you:

For your guarantor:

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.

How much will the loan cost to you?

      A review fee for a loan application:

    - BGN 30 for loans up to BGN 5000
    - BGN 60 for loans from BGN 5000 to BGN 30 000
    - BGN 150 for loans above BGN 30 000

 

 Additional information about questions that interest you can be obtained on the green phone 0800 11 400 (call is free for customers from the whole country) or on the phone 02/9266 500, as well as in all offices of Central Cooperative Bank.

 


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