|
|
New
Mortgage loans up to 150 000 euro.
Bonuses
You get a "Property" insurance and a "Life" insurance throughout the entire mortgage loan term.
Advantages
- Only one document needed for your preliminary approval: Mortgage Loan Application Form;
- Answer in 24 hours;
- The bank maintains a "Property" insurance and a "Life" insurance at its own expense throughout the entire mortgage loan term;
- Option to deduct the fees from the loan;
- You have a 1 year period after the preliminary approval to chose a property and prepare the necessary documents;
- The bank opens a special account to serve the loan.
Loan Amount
Up to EUR/USD 150,000 or its equivalent in BGN. We grant you up to 80% of the real estate appraisal.
Terms
You plan the loan repayment depending on your financial standing and monthly incomes. You may chose a lower monthly installment scheme for a longer period.
- minimum term - 5 years;
- maximum term - 35 years.
Loan Purpose
- Purchase of a flat/house;
- Purchase of a real estate in construction;
- Renovation works;
- Construction of a family house;
- Purchase of offices and stores;
- Mortgage loan refinancing.
Client Profile
The mortgage loan is pointed to Bulgarian permanent residents.
Terms of Granting
The sum of your age and the loan period should not exceed 60 years (for women) and 63 (for men).
It is required that your incomes cover the monthly installment and at least one minimum salary per family member.
Interest Rate
The mortgage loans interest rate is calculated as a sum of the Basic Interest Rate of the Bank (BIR of the Bank)* and a surplus depending on the repayment terms:
 |
|
from 5 to 10 years |
BIR - 0,70% |
 |
|
from 11 to 15 years |
BIR + 0,05% |
|
|
from 16 to 20 years |
BIR + 0,35% |
|
|
from 21 to 25 years |
BIR + 0,65% |
|
|
from 26 to 30 years |
BIR + 0,95% |
|
|
from 31 to 35 years |
BIR + 1,25% |
|
|
Repayment options
You chose between one of the following repayment methods:
- equal monthly installments;
- decreasing monthly installments.
Option for prepayment of part of the loan or the whole principal due.
Fees
- One-time management fee: 2 % on the loan disbursed;
- Prepayment fee: 3,5 % – 5 % on the prepaid principal.
Collateral
Mortgage on real estate.
You can calculate installments for different maturity and amount of the loan using
the credit calculator.
For more information:
0 800 1 BANK (0 800 1 2265) – 8.30 to 17.30
>support@bank.allianz.bg
|
| |
 |
|
