Today Loan

Nice moments, but not in the future! Do not postpone your desires! Realise them with the TODAY consumer loan from CCB with an interest rate of 9,95%. You obtain also a bonus – a credit card with many rebates.

You may obtain a TODAY loan with a low interest rate, if:

•     You have a good social security income;

•     You work under an employment contract with no term or you are a civil servant;

•     You have at least six month work experience at the present place of work;

•     You are a free-lancer and render services with personal labour for at least one year;

Loan parameters

•     The loan is extended in BGN to clients that receive their salary or a part thereof on an account with CCB Plc

•     Loan amount and term – determined based on the amount of your income

Interest conditions

The annual percentage rate is from 9,95% to 10,95%

The annual percentage rate is 10,96% for a loan to the amount of BGN 15 000, and a repayment term of 10 years, with included review fee and one-off loan administration fee and a floating interest rate 9,95% (base interest rate (BIR) + margin 3,95%). The total due amount BGN 24 047,38 and the amount of the monthly installment BGN 197,81. The BIR of the Bank in BGN in August 2010 is 6%. See the methodology of CCB Plc for determining the base interest rate, concerning consumer loans.

Collateral

•     One guarantor for loans up to BGN 15 000 ;

•     Two guarantors for loans above BGN 15 000;

•     Without a guarantor for loans up to BGN 10 000 for clients with social security income of BGN 1500

Necessary documents that have to be presented

As a borrower you have to present:

•     An application for a loan according to a Bank sample

If you work under an employment contract

•     A declaration by the employer according to a Bank sample

•     A declaration for the social security income in the last 12 months– free wording /for the employees of SP, EOOD and OOD/

If you are a civil servant

•     A copy of the “Administrative act for appointment”

•     A declaration by the employer according to a Bank sample

If you are a free lancer

•     A certified tax return for a previous period

•     A copy of a valid document, which evidences the right for the performance of the respective type of activity.

Additional documents

•     a declaration, completed by the spouse

Your guarantor has to present:

•     An inquiry about the guarantor according to a Bank sample

How much does the loan cost?

•     A review fee – BGN 10;

•     An one-off fee for loan administration

- for loans up to 3 years – 1% of the loan amount;

- for loans above 3 years – 2% of the loan amount.

The fees are collected upon the loan granting.

Additional information regarding issues, of interest to you, you may obtain at green phone number 0800 11 400 (the call is free of charge for clients from the whole country) or phone number 02 / 9266 500, as well as at all offices of Central Cooperative Bank