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Methodology for calculating the reference interest rate

 

Methodology for calculating the reference interest rate

THE REFERENCE INTEREST RATE applicable for all credits with variable interest for legal persons – individual clients of the Bank, is the value of the respective 3-month index in accordance with the agreed loan currency – SOFIBOR for credits in Bulgarian levs (BGN) or EURIBOR for credits in euro (EUR), but not less than zero, announced two working days prior the first working day of each calendar trimester and shall be applied from the first day of the calendar trimester till the day preceding the first day of the next calendar trimester included.              
  • The index SOFIBOR ( SOFIBOR: Sofia Interbank Offered Rate) is a fixing of the quotes for unsecured BGN deposits offered in the Bulgarian interbank market, published on the page „SOFIBOR=” in REUTERS. It is available on the Internet page of BNB -http://www.bnb.bg/
  • The index EUROBOR (Euro Interbank Offered Rate) is the rate at which Euro interbank term deposits are offered by one prime bank to another prime bank within the Euro zone, published on the page „EURIBOR=” in REUTERS. It is available on the Internet page of European Banking Federation - http://www.euribor-ebf.eu/
(In case of changes in the method of determination, announcement and publication of the above mentioned indices, regardless of the Bank’s will, they shall be applicable to the credit contracts and shall replace respectively the characteristics described here above.)
The reference interest rate for “Societe Generale Expressbank” shall enter into force from 21.07.2014 for all housing and mortgage credits of natural persons – individual clients of the Bank, concluded from this date on.

Change of the interest rate applied to the loan
Just increase or decrease of the amount of the reference interest rate(3М SOFIBOR, respectively 3М EURIBOR, but not lessthan zero) with more than a specified value (percentage value), clarified in the loan contract, compared to its amount on the day of disbursement of the credit, as well as a subsequent change of the reference interest rate entailing new change with more than the amount of this value, shall lead to increase or decrease of the agreed in a signed credit contract annual interest rate.
  • Value of the reference interest rates
      Applicable value of the reference interest rates from 01.10.2016 to 31.12.2016.
3 М. SOFIBOR BGN
(no less than 0)
3 М. EURIBOR EUR
(no less than 0)
0.137 0.000
indicies