Future Loan

You need money but you are afraid from the burden of the monthly installments? We have created for you the  Future Loan.

You can receive  Future Loan, if:

• You work under permanent labour contract
• You have minimum 6 months of work experience at your current job;
• Your gross income is not less than the amount of the monthly installment to the credit plus BGN 160.

Credit parameters

• Amount – up to BGN 35,000 or their equivalent in EUR or USD

Interest conditions

• Annual interest rate is 12.9% for credits in BGN and 11.9% for credits in EUR or USD

Preferences

• Preferential interest rate of 11.9% in BGN and 10.9% in EUR and USD
  You use preferential interest rate and fees if you deposit your income in CCB or you pay at least two household bills via the service "Utility Bills Subscription". The annual percentage of costs for EUR 10,000  for 5-year term is 14.85%.
• Additional reduction of the interest rate for good customers who have at least one year of credit history in the bank.

Collaterals

• For credit from BGN 200 to BGN 15,000  – one guarantor;
• from BGN 10,000 to BGN 20,000  – two guarantors.

You can calculate alone the amount of the monthly installments using our CREDIT CALCULATOR for Asset Loan

Documents we expect you to submit

When you apply for the credit:

• An application for credit after a bank sample – banks gives it to the customer;
• A copy of a work contract or respectively work relationship with the same characteristics;
• A statement from the employer – after a bank sample;
• A copy of the ID card;  

For your guarantor:

• A certificate for the guarantor – after a bank sample;
• A copy of the ID card;  

For your convenience you can make print out the required forms, fill them in and present them in the bank office where you serve your bank account. We will answer to your application within two business days.

How much will the credit cost you?

Standard Conditions

• Review fee – BGN 10 ;
• Payable only once fees for loan administration:
  -for credits up to 3 years – 2% of the credit amount;
  - for credits over 3 years – 3% of the credit amount.

Preferential Conditions

• Review fee – BGN 5 ;
• Payable only once fees for loan administration:
  - for credits up to 3 years – 1% of the credit amount;
  - for credits over 3 years – 2% of the credit amount.

Fees are collected upon granting of the credit.