BACB (Bulgarian-American Credit Bank)
The reference rate is the variable component — it moves according to the bank’s methodology. The margin is fixed for the term of the contract.
Sample interest calculation
An illustration of the formula, not an offer. Enter the margin from your offer; the reference rate is preloaded with the latest known value and may be changed by the bank.
Applicable value / update
From 01.01.2026 the applied value of 6M EURIBOR is 0.378.
Reference-rate model / index 6M EURIBOR + fixed margin for the “Sbadnata mechta” (Dream Come True) mortgage.
How the index is formed The value of 6M EURIBOR is used.
Scope / contracts The “Sbadnata mechta” mortgage in euro, term up to 30 years.
Notes It is important to check whether the value 0.378 is written as a percentage in the bank’s specific terms.
Sources
This information is an overview and is not legal or financial advice. For a specific loan, the contract and the bank’s latest published values and methodologies prevail. Data as of 23.06.2026, maintained manually.