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Consumer Mortgage Loan

  • Amount

    • Up to BGN 100 000;
    • Up to BGN 50 000 for a non - proved purpose;
    • Up to 70% of the market value of the property accepted as a collateral, for massive constructions;
    • Up to 50% of the market value of the property accepted as a collateral for panel constructions/ holiday property

    Currency: BGN  

    Loan purpose:

    • With proved purpose and submission of cost proving documents:

    - Balance consolidation of existing loans in other banks
    - Refinancing of a loan
    - Property purchase
    - Various consumer needs (tuition, purchase of furniture etc)
    - Non proved purpose

    Tenor: Up to 15 years

    Collateral: First rank mortgage in favour of the Bank

    Interest rate

    • from 4,38% annual interest rate

    The interest rate is floating, based on referent interest rate of the Bank (RIR) plus fixed spread.

    The Bank applies referent interest rate for loans in BGN. The Bank announces on its web site "Methodology for calculating of reference interest rate of Piraeus Bank Bulgaria SA for loans in BGN"(link to the methodology, the current value of calculated according to this methodology RIR, and provides data for all values of RIR.

    The applied spread is defined individually for each customer depending on his/her risk profile and the parameters of the deal – subject of financing, loan purpose, type of the mortgage.

    • floating rate from:

    Type of mortgage

    With proved purpose

    Non proved purpose

    Residential property


    (RIR + spread)


    (RIR + spread)

    Panel/holiday property


    (RIR + spread)


    (RIR + spread)

    Loan disbursement:  One off

    Loan repayment: Annuity instalments

    Additional requirement:

    • Property and Life Insurance, according to the Bank conditions;

    If you need more information for this bank product, you can visit the nearest Piraeus Bank branch or contact our Call Center at 0 700 12 002, or send us an e-mail at Please fill in your name and telephone number, in order to be able to contact you.

    Main fees

    • Fee for assessment of the documents – BGN 50
    • Credit risk evaluation – 0,25% at final approval of the housing loan, min. BGN 200
    • Fee for legal services– 120 BGN
    • Early repayment fee: Pursuant to the terms and compensation limits as of art. 41 of the Law on credit agreements for consumers relating to real estates.
    • Property evaluation fee according to the Bank Tariff.

    All other not mentioned fees as according to the bank's Tariff.

    Example for loan with floating rate for the whole period – 4,38%


    Loan Amount




    Total due amount


    Monthly installment


    70 000




    96 121,16



    The above example is for a consumer mortgage loan with 15 years repayment period, 4,38% floating interest rate, BGN 50 assessment fee, BGN 200 credit risk evaluation fee, BGN 70 government fee for registering of the mortgage; BGN 120 fee for the property evaluation and BGN 120 legal service fee. The ACR does not include the cost of the obligatory insurances which are to be covered by the clients


    Documents needed:

    • Application form
    • ID card copy
    • Income document
    • For refinancing loans, additionally the contract for the loan subject of refinancing will be requested
    • Other documents, requested by the Bank






    Посредством кратката форма, може да получите предварително решение за предоставяне на кредит, базирано на основна информация, относно вашето семейно положение, трудово и финансово състояние. Настоящата форма, както и предварителното решение не ангажират нито Вас, нито Банката с договор за кредит. За да бъде изготвен цялостен анализ на Вашата кредитоспособност и да получите окончателно решение следва да попълните Пълна форма или да посетите клон на Банка Пиреос, където да предоставите допълнителни документи и информация.

    Посредством пълната форма за кандидатстване, може да получите окончателно решение за предоставяне на кредит. На база предоставената информация ще бъде изготвен анализ на Вашата кредитоспособност и взето решение за предоставяне на кредита. В случай на одобрение, ще ви бъдат изискани документи за дохода, за предоставеното обезпечение (в зависимост от типа на продукта), както и други документи по преценка на Банката. Настоящата форма, както и представеното решение не ангажират нито Вас, нито Банката с договор за кредит.


    1000 100000 0 240 credit
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