*** A variable annual interest rate, formed on the basis of MTIR (mid-term interest rate according to the National Bank statistics) + surcharge, including discounts for salary transfer – 1%, when using a credit card with text (SMS) notifications – 0.25%, “Peace of mind with FiHealth” insurance – 0.20% and E-Banking Package – 0.10%.
MTIR (mid-term interest rate) is a reference interest rate based on savings, calculated for each particular type of currency according to a methodology announced by the Bank. The interest surcharge is calculated according to the individual credit rating of each borrower. In individual cases, the specific financing terms set by the bank may differ from the values indicated above, or additional discounts may be applied different from the specified parameters.
The interest rate is valid in case at least 30% of the amount of the newly granted loan, but not less than BGN 2,000, is used for refinancing of loan liabilities in other financial institutions. When applying online, you need to indicate the following scope of the requested loan: Repayment of existing liabilities/debts.