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Housing loan with floating interest rate

  • Ask about the interest rate in every of the Piraeus Bank  branches and get your personal offer

    About the product:

    Purpose of your loan is:

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

    Loan amount is:

    • Up to 500 000 BGN
    • Up to 85% of the market value of the property accepted as a collateral, for massive constructions
    • Up to 80% for panel constructions

    Currency is: BGN

    Loan repayment tenor:

    • up to 35 years

    Interest Rate:

    • from 2,80% to 3,95% floating interest rate

    Housing loan with purpose refinancing, loan amount over BGN 100 000 and loan term – up to 240 month:

    • from 2,80% to 3,45% floating interest rate;
    • up to 30% additional amount for repair works

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

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

    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"", the current value of calculated according to this methodology RIR, and provides data for all values of RIR.

     In case of interest, the bank could offer Housing loan with fixed interest rate for the first 36 months.

    You can choose repayment method: equal annuity installments or decreasing installments (equal principal instalments and accrued interest)

    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.
    • Customer choice to contract Life Insurance

    You can see Example here 

    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 examination of applicant’s creditworthiness – from BGN 75
    • 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.

    The customer pays a fee as per the Bank Tariff for the usage of Piraeus payroll package.

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

    Loan amount


    Total due amount

    Monthly installment


    BGN 100 000




    BGN  131 128,40


    BGN 544,64

    The above example is for a housing loan with 20 years repayment period, 3,00% floating floating interest rate for the whole loan term, BGN 75 fee for examination of applicant’s creditworthiness, property evaluation fee 120 BGN, 120 BGN legal service fee,  100 BGN 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 clients.

    • You can apply in any of Piraeus Bank branches by submitting:
    • 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.


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