Loan Trust

"TRUST IS THE GREATEST RESPONSIBILITY YOU CARRY FOR A LIFETIME“

AT CENTRAL COOPERATIVE BANK WE KNOW THIS AND THAT’S WHY WE CERATED THE “TRUST” PERSONAL LOAN, BECAUSE TRUST IS MUTUAL!

The ”TRUST” personal loan is available to employees of companies pre-approved by the bank*, as well as to those  working in the public or municipal sector.

You can check the approved companies by calling *5050

Important clarification! Upon the dual indication of the amounts, including before the period, during which it is obligatory, in accordance with the Law on the Introduction of the Euro in the Republic of Bulgaria, the Bank presents the amounts in Levs with their respective indication in Euros, using the distinctive symbol “EUR”. The dual indication in Levs and Euros has been made, using the official exchange rate 1 EUR = 1.95583 BGN."

  • Maximum amount of BGN 80 000 (EUR 40 903.35)
  • Maximum term of 10 years
  • Interest rate of 4.30% for the entire loan period

ELIGIBILITY CONDITIONS

  • iconYou have stable and sufficient income
  • iconYou work under a permanent employment contract and are an employee in the state and municipal sector
  • iconYou have at least six months of continuous employment in your current position

COLLATERAL

  • icon No guarantor loan up to BGN 20 000
  • icon One guarantor loan over BGN 20 000
  • icon Двама поръчители кредит над 15 000 лева

  • for customers with a net income over BGN 1,600  and a salary transfer to the bank or a commitment, no guarantor is required for a loan up to BGN 40 000 
  • for customers with a net income up to BGN 1,600  and a salary transfer to the bank or a commitment, no guarantor is required for a loan up to  BGN 50 000 
  • for customers with a net income over BGN 3,000 and a salary transfer to the bank or a commitment, one guarantor with a net income of at least BGN 2,000 is required for a loan from BGN 50,000 to BGN 60,000 
  • for customers with a net income over BGN 3,000 and a salary transfer to the bank or a commitment, one guarantor with a net income of at least BGN 2,500 is required for a loan over BGN 60,000

* at the bank's discretion, a guarantor or co-obligor may be required

For loans in BGN:

The Annual Percentage Rate (APR) amounts 4.77% for a loan of  BGN 20 000, with a repayment period of 7 years at an interest rate of 4.4% and a monthly account servicing fee of BGN 2.54 for a card payment account. The interest rate is based on the basic reference interest rate for consumer loans (ORLP Pk) for the relevant currency + interest rate margin. The total amount payable is BGN 23 487.24 with a monthly installment of  BGN 277.07. Please refer to the methodology of CCB for determining ORLP Pk.

For loans in EUR:

The Annual Percentage Rate (APR) amounts 4.78% for a loan of  EUR 10 225.84, with a repayment period of 7 years at an interest rate of 4.4% and a monthly account servicing fee of EUR 1.30 for a card payment account. The interest rate is based on the basic reference interest rate for consumer loans (ORLP Pk) for the relevant currency + interest rate margin. The total amount payable is EUR 12 008.84 with a monthly installment of EUR 141.66. Please refer to the methodology of CCB for determining ORLP Pk.

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.

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