Home Purchase Mortgage Loan

Dreaming of a new home and looking for financing? Take advantage of the attractive terms we offer for our new mortgage loan for the purchase of a home or for the refinancing of a similar loan granted by another bank.

Apply online for a "At present time" or "Home Under Construction" Loan and, when approved with standard product compliance conditions, we will offer you a design for interior design of the new home. You can see the full terms below.

SUBMIT ENQUIRY

Terms

Amount

Up to 100% of the liquidation value

Currency

BGN or EUR

Loan term

Up to 30 years

Requirements

  • The loan applicant must have worked for their current employer for at least 6 months.

  • The loan applicant must have a verifiable regular income.

  • The applicant must make regular repayments on their active loans.

  • A first-rank mortgage on the real estate serving as collateral.

  • The loan applicant must be no older than 65 years at the end of the loan’s term. Loan applicants who would be older than 65 at the end of the loan’s term must meet the following additional criteria:

    • They must produce a co-debtor on the loan who is at least 18 years of age at the time of application and would be younger than 65 years of age at the end of the loan’s term.

    • The remaining loan amount at the applicant’s 65th birthday must not exceed 35% of the individual collateral evaluation.

Basic conceptual design

Full terms for the basic conceptual design

  • An initial application for a mortgage loan is made through the bank's website.
  • Approved and granted mortgage loan for the product "At present time" for the purchase of residential property and "Home under construction" with standard parameters, without preferential conditions.
  • Deadline for application for credit on the bank's website in the period 17.04.2019 - 30.09.2019.

  • The interior design is a basic conceptual design, and the designer can be selected from a list provided by the bank.


The basic conceptual design includes

  • Internal arrangement, with dimensions, M1: 20. Black and white.

  • Soffit (ceiling) plan, with dimensions, M 1:20. Black and white.

  • Blisters of each room, 4 pcs. per room, M 1:20. Colorless, no size. Dimensions are placed only on the look (glances) showing the kitchen furniture.

  • 3D plan – above sight. Colorful.

  • 3D aspect, 2 pcs. for each room. Colorful.

  • The basic conceptual design includes 1 option.

  • Choosing the right type of furniture and brand is not part of the concept project.
  • The basic conceptual design does not include details.
  • The basic conceptual design does not include precise dimensions and exact location of installation outlets.
  • The basic conceptual design does not include detailed unfolding of any of the rooms.
  • The basic conceptual design does not include a detailed arrangement of floor coverings and wall claddings.

How to apply

At a bank branch

Discuss the transaction with one of our consultants. Complete a loan application form and prepare the required documents.

Online enquiry

Complete the online enquiry form and one of our consultants will get back to you.

  • A copy of the loan applicant’s ID card.

  • Documents certifying the ownership of the real estate offered as collateral.

  • Evaluation of this real estate performed by a certified appraiser. The evaluation costs shall be borne by the loan applicant.

  • Declaration regarding related persons – in the Bank’s standard form, if applicable.

  • Loan Request (standard form provided by the Bank).