• Time – quick and easy approval procedure
• Advantage – you purchase or cover other of your needs when necessary, without waiting to save the respective amount
• Facilitation – you effectively manage your financial resources
• Flexibility – you can utilize the loan in portions
• Convenience – you borrow funds up to an amount and for a period of time in accordance with your needs and desires (maximum period: 10 years)
• No prepayment fee
• Option for inclusion into “Loan Protection” life insurance program
• Upon activation of “Loan Protection” in case of death or permanent total or temporary disablement, the insurer will pay the debt under the loan

• up to BGN 20 000
• Age – between 20 and 70 years
• Term:
  • Up to 5 000 BGN – up to 6 years
  • Between 5 001 – 10 000 BGN – up to 8 years
  • Between 10 001 – 20 000 BGN – up to 10 years
• Interest rates – you could understand in every UBB branch
• According to your desire, the repayment can be effected at equal monthly installments or with equal payments on the principal and decreasing interest

• Collateral: pledge of amount receivable – deposit with UBB or government securities
• Maximum period: 10 years

• Drawdown – bullet or in tranches
• Partial or full prepayment

• Consumer loan application form
• Identity card

Declaration statement concerning the borrower and the guarantors.