Financing tailored to your plans
Apply for up to 500 000 €.
A Home Loan,
Аttractive
terms to help
make your dreams of a new home
a reality.
More time for peace and balance
Repayment term of up to 30 years.
Flexible financing
Finance up to 85% of the property's appraised market value.
Interest rates from 2.70%
Variable annual interest rate based on your individual profile.
Additional financing for renovations and improvements
Up to 40%.
50% discount
of the collateral assessment and documentation fee when you apply online.
Apply for a mortgage loan online
Complete the short form and apply based on your selected loan parameters.
Mortgage loan inspired by you
One solution for different needs.
Purchase, construction, renovation, or refinancing.
Repay your loan with "Flexi"
The option to reduce, increase or skip your monthly payment.
Available to customers working abroad
The "At Home" option for customers with permanent residence in Bulgaria and income earned abroad.
Free video consultation
with Expert in Virtual branch
Support at each step
with Expert next to you online and in our mortgage centers.
Mortgage loan with
fixed interest
for the first 10 years
- 3.90% fixed annual interest rate for the first 10 years, followed by a variable annual interest rate in euro for the remainder of the loan term;
- 4.70% to 5.70% fixed annual interest rate for the first 10 years, followed by a variable annual interest rate in euro for the remainder of the loan term.
Mortgage Loan
"At Home"
Financing of up to €250,000 with a repayment term of up to 25 years. Finance up to 70% of the property's appraised market value. Designed specifically for customers working abroad who maintain permanent residence in Bulgaria and are looking to purchase property in the country.
The loan is available to customers with permanent residence in Bulgaria who have officially documented employment income and have been employed under a permanent employment contract for at least one year in a country within the European Union, the European Economic Area, Switzerland, Canada or the United States.
Additional Solutions for you
Discover additional products and services to help you manage your finances with greater ease and confidence.
The home you are planning is
closer than you think
With the right financing, you can take the next step today.
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🏡 Up to 500 000 €
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📅 Repayment up to 30 years
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🌐 Online application
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✨ Fast granting
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🔄️ Great solutions with Flexi
Important for you
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Example 1
With salary transfer to the Bank.
Credit amount:100 000 €Term:240 monthsInterest:2,70% (variable)APRC:2,88%Monthly payment:539,70 €Total amount due:131 026,57 €- Account opening fee: 1,53 €
- Monthly fee for "My Family" programme: 4,35 €
- Collateral analysis and processing fee: 230,00 €
- Collateral valuation fee: 123,00 €
- State fee for mortgage registration: 0.1% of the loan amount
- The representative example is based on the borrower's salary being transferred to a payment account under the "My Family" programme
- The APR does not include the mandatory purchase of Life Insurance
Example 2
With fixed interest rate for the first 10 years
Credit amount:80 000 €Term:360 monthsInterest (first 10 y):3,90% fixedInterest (after):3,90% variableAPRC:4,12%Monthly payment:377.33 €Total amount due:137 840.97 €- Account opening fee: 1,53 €
- Monthly fee for "My Family" programme: 4,35 €
- Collateral analysis and processing fee: 230,00 €
- Collateral valuation fee: 123,00 €
- State fee for mortgage registration: 0.1% of the loan amount
- The representative example is based on the borrower's salary being transferred to a payment account under the "My Family" programme
- The terms and conditions depend on your individual credit profile and the collateral provided
- The state fee for mortgage registration is included
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It is possible to purchase Life Insurance to secure the loan. Life Insurance is offered by the Bank in its capacity as an insurance agent of Bulstrad Life Vienna Insurance Group EAD, in accordance with the applicable General Terms and Conditions. The insurance is concluded pursuant to Article 382 of the Bulgarian Insurance Code as loan security insurance (for the benefit of the lender). The insurance is available only to customers who have been granted a home loan or mortgage loan by 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 variable annual interest rate is determined as the sum of the PRIME EURO Reference Interest Rate and a fixed margin agreed individually with the customer. The PRIME EURO Reference Interest Rate used for the loan products of Eurobank Bulgaria AD serves as the reference interest rate. More information about the methodology for determining the PRIME EURO Reference Interest Rate is available here. The interest 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.
Receive a 50% discount on the collateral analysis and documentation fee when you apply online for a new home loan from Postbank by completing the online home loan application form available on the Bank's website (via the Apply button in the home loan calculator or through any of the other active home loan application forms available on the website), or through the Virtual Banking Branch of Eurobank Bulgaria AD. Information about the fees applicable to home and mortgage loans is available in the Tariff for Individuals.
The calculator is designed to help you estimate your financing needs and future loan repayments. The results are indicative only and are not binding on the Bank. The calculations are based on constant loan 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. The Bank reserves the right to approve a loan under different terms and conditions.
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