The loan is granted to finance current needs - repair and furnishing, education expenses, family events, medical treatment, etc., as well as for the purchase of real estate and refinancing of loans granted by other banks.

The Bank does not collect any fees for loan granting and management!

  • Maximum amount of BGN 300 000 ot its equivalent it EUR
  • Interest rate of 2.6%
  • Maximum term of 25 years

Interest rate when the client’s responsibility is limited by means of the provision of collateral – 5% regardless of the loan currency

Fee for preparing a legal opinion - BGN 60

Fee for collateral valuation – according to the tariff of the licensed appraiser 

*Promotional conditions:

- on refinancing - no fee is due for the preparation of a legal opinion and for collateral valuation until 30 August 2019 and without a notary fee

The annual percentage rate of charge is 2.7% for a loan of BGN 100,000, repayment period of 15 years at an interest rate of 2.6% (internal bank reference interest rate for mortgage loans (IBRIRml + margin), including a legal service fee of BGN 60, property valuation fee of BGN 120, monthly card current account service fee of BGN 2.10. Total amount due of BGN 121 429,12 and amount of monthly instalment of BGN 671,51. See the CCB methodology for determining internal bank reference interest rates for mortgage loans.



  • icon You have sufficient insurable earnings
  • iconYou are employed under an open-ended employment contract
  • You receive your income on an account with CCBicon


  • icon Fully finished  and commissioned residential property
  • icon Lending rate
    up 70% 
  • Deductables
    minimum 10%icon

For additional information, 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, as well as in all offices of Central Cooperative Bank.


Free property insurance at Armeec Insurance Company

Free debit card  MasterCard Debit or Visa Electron

Possibility to issue a Visa CCB - Bulgaria Air credit card at preferential terms

Mortgage Loan from CCB - step by step!