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 50 000 or the equivalent amount in EUR or USD.
  • Term – up to 12 years

Interest conditions

  • 4,7%* a fixed interest rate for the first year, regardless of the currency
  • 7% a standard interest rate for the remaining period of the loan regardless of the 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 5.8% 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
  • 0.2% for clients of CCB Sila pension fund

The rebates can be combined!

The annual percentage rate to the amount of 5,56% for a loan to the amount of BGN 15 000, a repayment term of 10 years, with included one-off fee for reviewing the loan application at a fixed interest rate 4,9% for the first year and a floating interest rate of 5,5% for the remaining period, (analytical reference interest rate for consumer loans (ARIRcl) + margin) Total due amount BGN 19467.84, amount of the monthly installment BGN 158.37 for the first 12 installments and BGN 162.38 for the remaining period.

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 30 000 – one guarantor;
  • For a loan above BGN 30 000 – 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 30 000 – no guarantor;*
  • For a loan from BGN 30 000 to BGN 50 000 - one guarantor
  • For a loan above BGN 50 000 – two guarantors

*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:

- 1% of the amount of the approved loan with minimum amount BGN 50


  • *5050 (The charging of calls is according to the tariffs and policies of the mobile operator, used by the client. The calls to a short number may not be included in the package of free minutes, for which CCB does not bear responsibility)
  • 02/9266 500, as well as at any office of Central Cooperative Bank



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