Consumer loan

Exchange rates

as of 11/12/2024 17:00:13

Cash payment

Non-cash payment

Selling rate

1.96100

1.96000

Buying rate

1.94800

1.94900

BNB fixing

1.95583

Cash payment

Non-cash payment

Selling rate

1.90300

1.90000

Buying rate

1.81900

1.82100

BNB fixing

1.86145

Cash payment

Non-cash payment

Selling rate

2.43900

2.43400

Buying rate

2.31400

2.31800

BNB fixing

2.37191

Cash payment

Non-cash payment

Selling rate

2.15000

2.14800

Buying rate

2.05600

2.05800

BNB fixing

2.10758

Advantages

No payroll
Bonus Credit card

Currency	BGN
Tenor	Up to 10 years
Amount	Up to BGN 120 000*
Interest rate	Variable interest rate

Example

APR 6.33% for a loan of BGN 20,000, for a term of 60 months, variable interest rate 5.10% (RIR* + 4.85% fixed margin) is calculated for the entire period, calculated with a fee for examining and processing documents BGN 270, monthly fee on a current account servicing the loan - BGN 4.50. The total amount due will be BGN 23,240.50 with equal monthly installments of BGN 378.34.

APR 6.65% for a loan of BGN 20,000, for a term of 60 months, variable interest rate 5.40% (RIR* + 5.15% fixed margin) is calculated for the entire period, calculated with a fee for examining and processing documents BGN 270, monthly fee on a current account servicing the loan - BGN 4.50. The total amount due will be BGN 23,406.05 with equal monthly installments of BGN 381.10.

APR 7.71% for a loan of BGN 20,000, for a term of 60 months, variable interest rate 6.40% (RIR * + 6.15% fixed margin) is calculated for the entire period, calculated with a fee for examining and processing documents BGN 270, monthly fee on a current account servicing the loan - BGN 4.50. The total amount due will be BGN 23,963.21 with equal monthly installments of BGN 390.39.

APR 8.03% for a loan of BGN 20,000, for a term of 60 months, variable interest rate 6.70% (RIR * + 6.45% fixed margin) is calculated for the entire period, calculated with a fee for examining and processing documents BGN 270, monthly fee on a current account servicing the loan - BGN 4.50. The total amount due will be BGN 24,131.96 with equal monthly installments of BGN 393.20.

*The interest rate is calculated upon UBB’s RIR of 0.25%.

I want a loan

levа

I want to repay the loan

months

Salary-secured Loan

266.39

levа/month

5.91

Variable Interest Rate:

5.10%

Toatl Amount Due:

32836.40 levа

Non Salary-secured Loan

282.6

levа/month

7.28

Variable Interest Rate:

6.4%

Toatl Amount Due:

34781.93 levа

Parameters

Interest rate	5.10% variable interest rate (RIR + fixed margin of 4.85%) with payroll and income over BGN 1400 5.40% variable interest rate (RIR + fixed margin of 5.15%) with payroll and income up to BGN 1400 6.40% variable interest rate (RIR + fixed margin of 6.15%) without payroll and income over BGN 1400 6.70% variable interest rate (RIR + fixed margin of 6.45%) without payroll and income up to BGN 1400
Minimum tenor	6 months
Maximum tenor	10 years for loan amounts up to 80 000 BGN 7 years for loan amounts greater than 80 000 BGN
Amount	Up to BGN 120 000* *The maximum amount of the loan is determined on the basis of the client's individual profile, according to the Bank's requirements.
Collateral	No collateral
Fee for documents'review and processing	According to the Loans Fees and Commissions’ Tariff for Individuals
Loan Account Maintenance Fee	BGN 4.50 per month
Borrower's age	20 - 65 years

Interest (price) discounts on loans with variable interest rates may be applied individually for each contract depending on the customer profile and other products and services used by the borrower with UBB and the other companies of KBC Group in Bulgaria.