Interest rate when the client’s responsibility is limited by means of the provision of collateral – 6.5% regardless of the loan currency

Free property insurance of the mortgaged property.

No fee for conducting the legal review of the collateral.

Fee for evaluation of the collateral – according to the Tariff of the licensed appraiser. 

Fee for preparing an application–consent for deleting a mortgage /including VAT/ - according to the Bank's Tariff.

Fee for renegotiation at the client's initiative - according to the Bank's Tariff.

Package Attraction                                                                                                                                                       

• When refinancing a mortgage loan from another bank/financial institution

         - No collateral assessment fee

         - Possibility for the notary fee related to the establishment of the mortgage (with no registration fee) to be covered by the bank, subject to certain conditions*

• For a new mortgage loan (legal mortgage)

         - No collateral assessment fee

         - Possibility for the notary fee related to the establishment of the mortgage (with no registration fee) to be covered by the bank, subject to certain conditions*

Package Attraction +

• In the case of a new mortgage loan and a subsequent mortgage in order, in the case of previous ones in favor of CCB
• For a new mortgage loan for the purchase of a property serving as collateral* for a loan at CCB

         - No collateral assessment fee

        - No fee for preparing an application–consent for deleting a mortgage for an existing borrower who is disposing of the collateral to another client approved for a purchase loan with CCB

        - Possibility for the notary fee related to the establishment of the mortgage (with no registration fee) to be covered by the bank, subject to certain conditions*

*Subject to approval by the Bank’s competent authority for covering the expenses related to the payment of notary and state fees for the establishment of the mortgage (excluding the registration fee), the loan must be repaid regularly and in accordance with the applicable repayment schedule during the first three years from the date of the initial disbursement. In the event of any breach of the repayment schedule within the first three years from the date of the initial disbursement, the expenses incurred by the Bank shall be reimbursed by the client. The conditions under which the notary fee may be assumed by the Bank can be explained at any branch/office of the Bank.

For loans in BGN

The Annual Percentage Rate (APR) amounts 2.82% for a loan of BGN 100 000 with a repayment period of 15 years, at an interest rate of 2.7% (ORLPik + interest rate margin), a property valuation fee of  BGN 150**, a fee of BGN 78.23 for preparing an application–consent for deleting a mortgage of one mortgage, and a monthly account servicing fee of BGN 2.54 for a card payment account. The total amount payable is BGN 122 408.63, with a monthly installment of BGN 676.25. Please refer to the methodology of CCB for determining ORLPik.

** Please note that depending on the collateral and the appraiser’s tariff, the property valuation fee may exceed BGN 150

For loans in EUR

The Annual Percentage Rate (APR) amounts 2.82% for a loan of EUR 51 129.19 with a repayment period of 15 years, at an interest rate of 2.7% (ORLPik + interest rate margin), a property valuation fee of  EUR 76.69**, a fee of EUR 40 for preparing an application–consent for deleting a mortgage of one mortgage, and a monthly account servicing fee of EUR 1.30 for a card payment account. The total amount payable is EUR 62 586.54, with a monthly installment of EUR 345.76. Please refer to the methodology of CCB for determining ORLPik.

** Please note that depending on the collateral and the appraiser’s tariff, the property valuation fee may exceed EUR 76.69

For additional information, please call:

*5050 (Call charges are based on the tariffs and policies of the customer’s mobile operator. Calls to a short number may not be included in the free minute package for which CCB cannot be held responsible)

02/9266 500, or visit any branch of Central Cooperative Bank.

 

For borrowers, guarantors and mortgagors

1. Mortgage Loan Application
• marriage certificate;
• divorce court order;
• certificate issued by the Registry Agency for registered matrimonial property regime between spouses;
• declaration with notary attested signatures of the spouses for the selected matrimonial property regime;
• notarized copy of the marriage contract, etc.
2. Certificate of marital status and civil status (not required for guarantors), and where relevant:          
3. Documents to prove the income of the borrower(s)Certificate of the existence or lack of liabilities issued by the respective Territorial Directorate of the National Revenue Agency, on the grounds of Art. 87 (6) of the Tax and Social Security Procedure Code (TSSPC) in the event that public liabilities are found as a result of an ex officio inspection.
4. Declarations for filed enforcement cases with state and/or private bailiff, for connectivity and civil and property status - according to a model of the Bank

For sellers under a sale/purchase transaction - natural persons

1. Certificate of marital status and civil status, and where relevant:
   
   • marriage certificate;
   • divorce court order;
   • certificate issued by the Registry Agency for registered matrimonial property regime between spouses;
   • declaration with notary attested signatures of the spouses for the selected matrimonial property regime;
   • notarized copy of the marriage contract, etc.
2. Certificate of the existence or lack of liabilities issued by the respective Territorial Directorate of the National Revenue Agency, on the grounds of Art. 87 (6) of the Tax and Social Security Procedure Code (TSSPC) in the event that public liabilities are found as a result of an ex officio inspection.

For sellers under a sale/purchase transaction - legal entities

1. Certificate of the existence or lack of liabilities issued by the respective Territorial Directorate of the National Revenue Agency, on the grounds of Art. 87 (6) of the Tax and Social Security Procedure Code (TSSPC) in the event that public liabilities are found as a result of an ex officio inspection.
2. Decision of the competent body according to the Memorandum or the Articles of Association, respectively, for mortgaging/selling the respective property

For real property used as collateral

1. .Documents of title of the real estate used as collateral. When submitting the notarial deeds of findings, the documents on the basis of which they have been issued must also be presented;
2. Current Certificate issued by the Registry Office at the Registry Agency according to the location of the property of the presence or absence of entries, notes and encumbrances on the property used as collateral, as well as of the absence of registered applications on third party claims and/or foreclosures imposed on the property. The Certificate of Encumbrances should cover entries on the real estate account for a period of 10 years.
   When the property is newly built and for this reason the certificate of encumbrances submitted covers a period of less than 10 years (starting as from the date of construction of the property), a 10-year certificate of encumbrances of the plot (zoned land plot) where the building is constructed, regardless of whether or not the client owns notional shares of the landed property.
3. Current Certificate of Tax Valuation under Art. 264 (1) TSSPC for the property
4. Current drawing of the landed property and the building, and in the case of an "independent unit in a building" - a drawing of the unit (according to the Cadastre and Property Register Act) issued by the respective territorial division of the Geodesy, Cartography and Cadastre Office (GCCO) at the Geodesy, Cartography and Cadastre Agency. In the case that there is no approved cadastral map for the area ofthe property, an up-to-date drawing of the zoned land plot issued by the relevant competent authorities (Municipal Administration) should be submitted.
5. Certificate issued by the GCCO attesting the absence of an approved cadastral map/drawing may be required at the discretion of the Bank.
6. In cases where buildings and/or units in buildings acquired through construction, purchased as a building permit or in a "rough construction" are offered as collateral, the commissioning documents and use permits of the property should be submitted in compliance with the legislation in force at that time.

You can also obtain information about the documents you need in any branch of Central Cooperative Bank