Individual Banking / Loans / Consumer Loan / Interest rates and fees
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Interest rate on consumer loan with guarantors: BIR* of Emporiki Bank for BGN + 7 % p.a. for the whole period, 15.09% for May 2012
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Interest rate on consumer loan secured with deposit in BGN or EUR: the interest rate on the deposit + 3% spread
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Interest rate on consumer loan secured with deposit in USD, GBP or CHF: the interest rate on the deposit + 5% spread
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Currency of the loan: BGN
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Maximum loan tenor: 84 months
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Application fee: EUR 40
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Front-end fee: 2.5%
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Annual management fee: 0.2%
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BIR (base interest rate) is a value that reflects the expenses of the Bank for the attracted funds. The BIR of Emporiki Bank is reviewed at the end of each month and the Bank has the right to unilaterally change it if any amendments in the economic context and/or financial markets in the country and/or abroad occur. The change comes in force as of the first working day of the next month.