Advantages

Individual approach in determining the conditions, according to the parameters of the credit and your financial profile*
Discount of 0.50% for a credit term of up to 60 months
Free Life insurance for the entire term of the contract**
No fee for early repayment

Parameters

Interest rates
- from 4.25% annually with a net monthly income over BGN 2 500 and a loan term of up to 60 months
- from 4.55% annually with a net monthly income up to BGN 2 500 and a loan term of up to 60 months
Maximum amount up to BGN 70 000 / EUR 35 000
Repayment period – up to 7 years
Repayment with equal (annuity) monthly installments
Only with an ID card

Requirements

Transfer of salary to an account in the bank;
Use of the Allianz Start + package for the term of the loan;
Use of credit card for the term of the loan without issuance fee and with 50% discount from the annual service fee;
Net monthly income over BGN 1 500.

Fees

Fee for review and processing of a loan application – 1.25% of the loan amount;
Monthly maintenance fee for the Allianz Start + package – BGN 4.40;
Annual fee for credit card servicing – BGN 20;
No fee for early repayment.

Example***

For a credit of BGN 40 000 and a repayment period of 4 years

Annual interest rate****	4,25%
APR	5,35%
Monthly installement	BGN 912,04
Total amount due	BGN 44 358,11

What can you use a Special Consumer loan for?

For purchase of goods

For repair works

For current needs

Do you need help?

Our team of experts is at your disposal to provide advice

*Provided that you meet the conditions of the group life insurance of ZAD Allianz Bulgaria Life.

**The bank may require additional documents and / or a guarantor depending on the individual assessment of the customer’s creditworthiness.

***The given example is for applicants with a net monthly income over BGN 1 500. The value of the APR includes costs for a fee for review and preparation of an opinion – BGN 270, a fee for opening a current account – BGN 3, a monthly fee for maintaining a current account – BGN 2.20.

****The annual interest rate is variable and is defined as the sum of the reference rate in BGN or EUR and a fixed margin. The reference rate is determined according to approved Methodologies published on www.allianz.bg. The bank announces on the first business day of January and on the first business day of July of each calendar year the new value of the reference rate applicable to loans in BGN and EUR.
The interest margin is determined after an individual assessment of the customer’s creditworthiness. The conditions are applicable in case you meet the requirements of the bank. In individual cases, the terms of financing set by the bank for a specific loan, including the determined interest rate, may differ from the values specified above or additional discounts from the specified parameters may be applied.