Amount up to 150 000 €
Suitable for debt consolidation, education financing and more.
Increase your
disposable income
with competitive terms.
Up to 25 years
Choose repayment term tailored to your budget.
Financing up to 75%
Of the property's appraised market value.
Interest rate from 3.50%
Variable APR in EUR.
Apply for mortgage loan online
Fill in the short application form and apply according to the chosen parameters.
Consumer Loan with Mortgage
A convenient solution for you and your plans.
More funds available every month
Higher disposable income by consolidating your loans into a mortgage-secured loan.
50% discount from the tax
On the collateral analysis and documentation fee when applying online via the website form.
Free video consultation
An expert will help you choose the home financing solution that best suits your needs.
Support at each step
Expert guidance, online and at our Mortgage Centers.
Lower monthly installment
One lower monthly payment, to one bank, on one date.
Additional solutions for you
Discover additional products and services to help you manage your finances with greater ease and confidence.
Your higher disposable income
is closer than you think.
Lower installments. More disposable income.
A better budget starts with the right financing.
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🏡 Up to 150 000 €
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🗓️ Repayment up to 25 years
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🌐 Online application
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💶 Better control of the budget
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🛡️ Lower interest rate with mortgage collateral.
Important for you
Example
Consumer loan with mortgage
Credit amount:
50 000 €
Term:
180 months
Interest:
3,50%
Monthly payment:
357.44 €
Interest (changing):
3.50%
APRC:
3,84%
Total amount due:
65 446.96 €
- Account opening fee: 1,53 €
- Monthly fee: 4,35 €
- Collateral analysis and processing fee: 150,00 €
- Collateral valuation fee: 123,00 €
- State fee for mortgage registration: 0.1% of the loan amount
Terms and Conditions:Maintaining property insurance on the mortgaged property for the entire term of the loan agreement is required.
The representative example is based on salary transfer to a payment account under the "My Family" banking program.
Life Insurance may be purchased as collateral for the loan. The Life Insurance is offered by the Bank in its capacity as an insurance agent of Bulstrad Life Vienna Insurance Group EAD, UIC 831211284, in accordance with the insurer's applicable General Terms and Conditions. The insurance policy is concluded pursuant to Article 382 of the Bulgarian Insurance Code as credit security insurance (for the benefit of the lender). The insurance is available exclusively to customers who obtain a home loan or mortgage loan from Postbank. Before purchasing the insurance, customers are advised to carefully review all documents relating to the selected insurance product.
The insurance costs are not included in the APR shown in the representative example above.
The annual interest rate is variable and is determined as the sum of the reference interest rate and a fixed margin agreed individually. The PRIME EURO Reference Interest Rate for Eurobank Bulgaria AD's lending products is used as the reference interest rate. More information on the methodology for determining the PRIME EURO Reference Interest Rate for lending products is available here. The margin is determined following an individual creditworthiness assessment, taking into account the loan amount, the customer's individual profile, the loan term and the value of the collateral.
The calculator helps estimate your financing needs and future loan repayments. The results are provided for illustrative purposes only and are not binding on the Bank. The calculations assume constant parameters and annuity repayments. The monthly instalment includes principal and interest only and does not include any additional costs.
The terms and conditions presented apply to loans secured by a mortgage over real estate granted by Eurobank Bulgaria AD, UIC 000694749, where the option under Article 24(2)(1) of the Bulgarian Consumer Real Estate Credit Act has not been selected.
Fees
Information about the fees applicable to home loans and mortgage loans is available in the Tariff for Individuals, here.