Trust Loan

The Trust Loan is a consumer loan for the employees of companies and civil servants, approved in advance by the Bank, and appointed under the Civil Servants Act.

You can make an inquiry of the approved companies at: 02/9266 500.

You may obtain the Trust loan, if:

  • You work under a permanent employment contract or you are a civil servant;
  • You have at least 6 months work experience at your present job;

Loan parameters

  • Amount – up to BGN 60 000 or the equivalent amount in EUR or USD.
  • Term – up to 12 years

Interest conditions

  • The annual percentage rate is to the amount of 7,9% regardless of the loan currency


  • Upon a transfer of min. 40% of the salary plus the monthly loan installment:
    • An interest rate of 6,5% regardless of the loan currency for loans up to BGN 3000
    • An interest rate of 6% regardless of the loan currency for loans above BGN 3000
  • For employees of institutional employers without transfer of the salary - 6,9%

A possibility for additional rebates in the interest rates upon package sales:

  • 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!

Annual percentage rate  is to the amount of 5,93% upon a loan to the amount of BGN 15 000, repayment term 12 years, with an included one-off review fee of the loan application and a floating interest rate 5,7% (reference interest rate for consumer loans (RIRcl) + a margin 1,2%). Total due amount BGN 20 804,52 and amount of the monthly installment BGN 144,06.

See the methodology of CCB Plc (92,6 KB) for determining the base interest rate for consumer loans.


  • For a loan up to BGN 15 000 – no guarantor;*
  • For a loan from BGN 15 000 to BGN 25 000 – one guarantor;
  • For a loan above BGN 25 000 – two guarantors.

Preferences for clients with good social security and remaining income and transfer of the salary at the Bank:

  • For a loan up to BGN 40 000 – no guarantor;*
  • For a loan above BGN 40 000 – one guarantor

*in some cases, at the discretion of the Bank, a guarantor or a co-debtor may be required

You may calculate the amount of your monthly installment, using our LOAN CALCULATOR  for the Trust Loan.

Necessary documents, which you have to present:

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

As a borrower you have to present:

Your guarantor has to present:

  • An inquiry about the guarantor  (194,4 KB)according to a Bank sample;
  • A copy of the identity card.

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 you may receive at green line 0800 11 400 (the conversation 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 .


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