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. 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.