Annual turnover up to 2 mln BGN
Annual turnover above 2 mln BGN
Agri procucers - up to 2 mln BGN
Freelancers
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The loan aims at transforming the main sources of energy and reducing carbon emissions
| Borrowers | Legal entities registered under the Bulgarian legislation, as well as freelancers and agricultural producers |
| Purpose of the loan | Investments for construction / purchase of a photovoltaic installation - up to 500 kWp capacity for production of electricity, intended for own consumption and/or sale of electricity |
| Business history | Minimum 18 months of active operation |
| Loan currency | BGN and EUR |
| Maximum loan amount | Up to BGN 600 000 / EUR 300 000 |
| Funding percentage | Up to 90% of the project value (less VAT) Up to 100% of the project value (less VAT) upon participation in grant programmes of the EU |
| Loan tenor | Up to 120 months |
| Grace period | Up to 9 months |
| Repayment | Equal monthly installments under the principal and the respective interest on the outstanding principal for the period |
| Collateral - standardized requirements | The photovoltaic installation, object of the financing; Other admissible collaterals: real estate; machines; transport vehicles; receivables; financial assets; capital subsidies under a programme; financial instruments under a guarantee. |
| Other | Option for using European Guarantee instruments |
| Interest rates | Variable annual interest rate, formed from the short-term interest rate based on BNB’s statistics (for loans in Bulgarian leva), or, respectively 1-month EURIBOR (for loans in euro) and a fixed margin, determined individually depending on the amount, currency, tenor and collateral under the requested loan as well as the client’s risk profile |
| Fees | As per the bank’s Fees and Commissions’ Tariff for Business Clients and the loan agreement. For secured loans there are also ancillary expenses related to the insurance and establishment of the collateral - for drawing up of a market appraisal, for establishment of a mortgage/pledge, for issuance of certificates, etc. |
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