Bg
Online banking

Use at your mobile device or tablet

Housing loan with fixed interest rate for the first 18 months

  • Main advantages:

    • 2,99% fixed interest rate for the first 18 months;
    • Clear conditions – not depended on loan term, amount and other;
    • No credit assessment fee in case of refinancing of an existing loan in other credit institution;
    • High percent of financing;

    Amount

    • Up to BGN 500 000, minimum BGN 10 000;
      • Up to 90% of the market value of the property accepted as a collateral, for massive constructions;
      • Up to 70% of the market value of the property accepted as a collateral for panel constructions

    Currency: BGN  

    Tenor: Up to 360 months, minimum 13 months

    Loan purpose:

    • purchase;
    • construction;
    • purchase and renovation;
    • purchase and finishing works;
    • refinancing of existing loans;

    Collateral: First rank mortgage in favour of the Bank

    Interest rate

    • 2.99% fixed interest rate for the first 18 months, floating rate for the remaining period 3,56%
    • Floating interst rate for the remaining period after the first 18 months after disbursal is based on 3М Sofibor plus 3,49% fixed spread. 3М Sofibor is updated on the first working day of each quarter. For calculation of the current floating rate the value of 3M SOFIBOR is set at +0,07% as of 02.10.2017.

    You can see Example here

    The above conditions are valid at the following requirements:

    • Salary transfer at the bank
    • Customer choice to sign the loan contract under the conditions of art. 24 paragraph 2 p. 2 of the Law on credit agreements for consumers relating to real estates.

    Loan disbursement:  at once or at tranches depending of the loan purpose

    Loan repayment: equal annuity installments or decreasing installments (equal principal instalments and accrued interest)

    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 customerservice@piraeusbank.bg. Please fill in your name and telephone number, in order to be able to contact you.

    Main fees

    • Credit risk evaluation – 0,25% at final approval of the housing loan, min. BGN 200. No fee in case of refinancing of an existing loan;
    • 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 are according to the bank's Tariff.

    Example:

     

    Loan Amount

     

    ACR

     

    Total due amount

     

    Monthly installment

     

    BGN 100 000

     

    3,59%

     

    BGN 139 563,51

     

    BGN 554,10 for the first 18 months

    BGN 581,08 for the remaining period


    The above example is for mortgage loan with 20 years repayment period, 2.99% fixed interest rate for the first 18 months, 3,56% interest rate for the remaining period, BGN 250 credit assessment fee at approval, BGN 120 fee for the property evaluation, BGN 120 legal service fee, BGN 100 government fee for entry of the mortgage. The ACR does not include the cost of the obligatory insurances which are to be covered by the client.

    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.

     

    0 0 0 0 credit
Please enter the amount in range: Please enter amount less than:
BGN
Please enter the period in range: Please enter period less than:

or

Please enter a numeric payment.
BGN
Promotional Period
Promotional Interest
Promotional Monthly Payment
Rest Period
Interest Procent
Monthly Payment
Common Interest
Common Taxes

The calculations in the calculator are indicative and does not connect the bank with the results of calculations.