site.btaAverage Interest Rate on Consumer Loans in BGN Rises to 9.05% in May 2025

In May 2025, the average interest rate on BGN consumer loans increased by 0.14 percentage points to 9.05%, and the Annual Percentage Rate of Charge (APRC) on these loans – by 0.12 p.p. to 9.42%, according to data released by Bulgarian National Bank on Thursday.

The average interest rate on BGN loans for home purchases decreased by 0.02 p.p. to 2.43%, and the respective APRC retained its level of 2.77%.

The average interest rate on other BGN loans rose by 0.19 p.p. to 3.85%. The average interest rate on BGN other loans to Sole Proprietors increased by 0.21 p.p. to 3.92%.

In May 2025 the average interest rate on BGN overdraft declined by 0.12 p.p. to 13.73%, while that on BGN extended credit card credit rose by 0.08 p.p. to 21.32%

The average interest rate on loans up to EUR 1 million agreed in BGN increased by 0.08 p.p. to 4.11% and that on loans over EUR 1 million – by 0.15 p.p. to 4.57%. The average interest rate on loans up to EUR 1 million agreed in EUR declined by 0.27 p.p. to 4.13%, while that on loans over EUR 1 million rose by 0.67 p.p. to 4.75%. In May 2025, the average interest rate on BGN overdraft decreased by 0.01 p.p. to 3.38% and that on EUR overdraft – by 0.15 p.p. to 3.84%. 

The average interest rate on BGN deposits with agreed maturity declined by 0.06 p.p. to 0.91%, and that on EUR deposits with agreed maturity – by 0.29 p.p. to 1.13%. The average interest rates on both BGN and EUR overnight deposits retained their levels of 0.01%. The average interest rate on BGN deposits redeemable at notice rose by 0.01 p.p. to 0.21%, while that on EUR deposits redeemable at notice remained unchanged from its previous month level of 0.16%.

In May 2025, compared to April, the average interest rate on BGN deposits with agreed maturity increased by 0.10 p.p. to 1.51%, while that on EUR deposits with agreed maturity decreased by 0.21 p.p. to 1.66%. The average interest rate on BGN overnight deposits declined by 0.01 p.p. to 0.05%, while that on EUR overnight deposits retained its level of 0.12%.